Smart Wealth and Retirement

In this episode of the Smart Wealth & Retirement Podcast, financial advisor and retirement planner Casey Bibb of Martin Wealth Solutions is joined by special guest Theresa Martin to discuss one of the most underestimated parts of retirement planning — healthcare costs. Together, they unpack what retirees often overlook when it comes to planning for rising medical expenses. Casey and Theresa dive into the differences between Medicare Parts A, B, C, and D, the gaps that can catch retirees off guard, and how to prepare for both routine and unexpected healthcare needs. They also explore long-term care options, the benefits of HSAs, and how proactive planning can help protect your nest egg from medical surprises. If you’ve ever wondered how much to budget for healthcare in retirement — or how to make sure your plan covers more than just the basics — this conversation offers practical insight and clarity. 👉 http://retirewithmartin.com/ ← Learn about working with us 👉 www.planwellretirehappy.com Timestamps: 00:00 Introduction & Episode Setup 00:35 Meet the Hosts — Casey & Special Guest Theresa Martin 01:20 Why Healthcare Costs Matter in Retirement 03:05 Medicare Basics: Parts A, B, C & D 05:10 Coverage Gaps & Supplemental Options 07:05 Long-Term Care: What to Know & When It Makes Sense 09:00 HSAs & Tax Angles Before/After 65 10:35 Building a Healthcare Budget Inside Your Plan 12:20 Real-Life Example & Lessons Learned 14:10 Action Steps & Common Pitfalls to Avoid 15:30 Final Takeaways & Where to Get Help Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle the question that keeps many investors up at night — “What if ....?” They unpack the “what ifs” that often cloud retirement planning — market volatility, inflation, healthcare costs, and unexpected life changes. Jim and Casey share how proper planning can turn uncertainty into confidence through diversification, income planning, and risk management. They also discuss how retirees can prepare emotionally and financially for market fluctuations, and why the right strategy matters more than trying to time the market. This conversation offers a calm, rational look at how to protect your retirement plan when the future feels uncertain. 👉 http://retirewithmartin.com/ ← Learn about working with us 👉 www.planwellretirehappy.com Timestamps: 00:00 Introduction: The “What If” Scenarios of Retirement 01:03 Meet the Hosts – Jim & Casey 02:00 The Fear of Retiring Before a Market Drop 04:28 How Diversification Protects Income 07:40 Building a Retirement Plan That Survives “What Ifs” 10:52 Inflation, Healthcare, and the Unexpected Costs of Retirement 13:17 The Emotional Side of Market Volatility 15:30 Real-Life Client Example: Staying the Course During a Downturn 18:45 Why Planning Beats Prediction 21:12 Final Thoughts & Takeaways Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive into one of the biggest lifestyle and financial questions facing retirees — when and how to downsize. They explore the emotional and financial sides of moving to a smaller home, freeing up cash flow, and simplifying life in retirement. Jim and Casey walk through key considerations such as market timing, tax implications, and the impact of housing costs on your long-term plan. They also share real client stories of those who downsized successfully (and those who wish they’d done it sooner), along with practical guidance on how to decide whether now’s the right time to make the move. Whether you’re thinking about selling your family home, relocating to a lower-cost area, or exploring retirement communities, this episode will help you make an informed decision that supports both your heart and your balance sheet. 👉 http://retirewithmartin.com/  ← Learn about working with us 👉 www.planwellretirehappy.com Timestamps: 00:00 Introduction: The Emotional Side of Downsizing 01:08 Meet the Hosts – Jim & Casey 02:25 Why Downsizing Comes Up So Often in Retirement Planning 04:47 The Financial Math Behind a Smaller Home 07:32 Tax Considerations When Selling Your Home 09:45 Real Client Story: Moving to Simplify Life 12:58 Hidden Costs and Pitfalls to Avoid 15:40 Market Timing: Sell Now or Wait? 18:12 Lifestyle Shifts After Downsizing 20:55 Final Thoughts: Clarity Over Comfort Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb challenge the idea that Roth IRAs are always the best solution. While Roth accounts offer incredible benefits like tax-free growth and no required minimum distributions, they also come with risks and timing issues that can derail your retirement plan. Jim and Casey share real-life examples, including a client who paid unnecessary taxes after converting too much too fast. Together, they unpack situations where a Roth may not make sense — such as when future tax rates are lower, when you don’t have cash to cover conversion taxes, or when healthcare and Medicare surcharges come into play. Listeners will walk away with a deeper understanding of how to evaluate Roth conversions and contributions strategically — as part of a broader financial plan, not just because “everyone’s doing it.” 👉 Learn more at retirewithmartin.com 👉 Visit planwellretirehappy.com ⏱️ Episode Breakdown 00:00 – Introduction: The other side of the Roth story 00:55 – Client Story: Mr. Reynolds’ $500,000 Roth conversion gone wrong 04:30 – The Importance of Tax Timing and why conversions should be done gradually 06:18 – Reason #1: Expecting lower taxes in retirement — when a Roth may not make sense 08:40 – Reason #2: You don’t have extra cash to pay conversion taxes 10:52 – Reason #3: Roth conversions can impact Medicare and Social Security taxes (IRMAA) 13:24 – Reason #4: You may not have enough time for the Roth to pay off 15:46 – Reason #5: Charitable giving — why Roths don’t help charities or QCDs 18:05 – Reason #6: If you’re child-free, legacy benefits may not apply 20:40 – Reason #7: High-income earners may not benefit from Roth contributions 23:16 – Reason #8: Already diversified with tax-free income sources (munis, life insurance, Roth 401k) 26:00 – Final Thoughts: It’s not about following trends — it’s about personalized planning 27:55 – Q&A:  • Should you convert a little each year or all at once?  • What if tax rates go up later — will I regret not converting? 30:50 – Closing Thoughts: Use math, not emotion, when making conversion decisions 32:00 – Wrap-Up & Disclosures: Visit martinwealth.com for more information ⚠️ Disclaimer Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another party’s informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions, or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant, or legal counsel prior to implementation. Past performance may not be indicative of future results. Investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Ready to connect with us? Visit: martinwealth.com In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down how the Federal Reserve’s interest rate decisions ripple into retirement planning. They explore why rising or falling rates matter for bond investors, mortgage holders, and retirees living on fixed income. Jim and Casey also share insights on how rate policy impacts inflation, portfolio stability, and the timing of Social Security and pension decisions. Whether you’re approaching retirement or already living in it, this conversation offers strategies to help you adapt your plan during shifting economic conditions. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: martinwealth.com 00:00 Introduction: Why the Fed Rate Matters 01:12 Meet the Hosts – Jim & Casey 02:05 The Federal Reserve’s Role Explained 04:28 How Rising Rates Impact Borrowing and Mortgages 07:14 The Link Between Interest Rates and Inflation 09:45 What Retirees Need to Know About Bonds and Fixed Income 13:22 Portfolio Allocation During Rate Changes 16:41 Social Security Timing and Rate Considerations 19:15 Case Study: Retiree Adjusting to Higher Rates 22:40 Practical Steps to Stay Financially Flexible 26:00 Conclusion and Final Thoughts Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Ready to connect with us? Visit: martinwealth.com In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack the essential elements of estate planning every retiree should have in place. From wills and trusts to healthcare directives, powers of attorney, and beneficiary designations, Jim and Casey explain why these documents matter, common mistakes they see, and how proper planning can save your family time, money, and heartache. With real client stories and practical takeaways, this episode will help you take control of your legacy with confidence. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 — Introduction & Why Estate Planning Matters Jim & Casey set the stage: estate planning isn’t just for the wealthy. Why retirees often overlook this step until it’s too late. 03:10 — Wills: The Foundation of an Estate Plan What a will does (and doesn’t) accomplish. The risks of dying without one. 07:25 — Trusts: Control and Probate Avoidance How trusts provide privacy and efficiency. When it makes sense to use one vs. relying solely on a will. 12:15 — Healthcare Directives & Living Wills Documenting your wishes before a crisis occurs. How this protects your loved ones from difficult decisions. 16:40 — Powers of Attorney: Financial & Medical The difference between financial and medical POAs. Why not having them can stall critical decisions. 20:55 — Beneficiary Designations: The Overlooked Detail Why your 401(k), IRA, and insurance beneficiary forms can override a will. Real-world example of a costly mistake from outdated paperwork. 25:30 — Common Mistakes & How to Avoid Them Failing to update documents after life changes. Assuming “one and done” instead of ongoing maintenance. 29:45 — Final Thoughts & Next Steps A 5-document checklist for every retiree. Encouragement to work with an estate planning attorney and advisor together. Want to work with us? Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com   Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Want to work with us? Visit: martinwealth.com Retirement planning can feel overwhelming — especially when you’re trying to figure out if your nest egg will actually last. In this episode, Jim Martin and Casey Bibb of Martin Wealth Solutions break down what life looks like if you retire with $750,000 saved. They walk through the timeline year by year, showing how income, Social Security, investments, and spending all come together. You’ll hear about the “Go-Go Years,” “Slow-Go Years,” and “No-Go Years” — and why understanding these phases is critical for planning smarter, spending confidently, and avoiding the fear of running out of money. What You’ll Learn in This Episode 📊 How $750K can realistically provide income in retirement 🕒 Why the first 10 years matter most for your retirement timeline 💵 How Social Security fits into your income picture 🔄 The 3 phases of retirement (Go-Go, Slow-Go, No-Go) and how spending shifts in each ⚖️ The importance of balancing risk and protection in your portfolio 🧾 Key tax considerations that can help stretch your savings further Why It Matters Most people wonder: “Do I have enough?” This episode gives you a clear framework to evaluate your own retirement savings and avoid overspending early. It’s not just about the size of your nest egg — it’s about how you use it over time.   Want to work with us? Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com   Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions take a close look at your 401(k) options and how to maximize them for retirement success. They break down 2025 contribution limits—including catch-up provisions for those over 50—while comparing employer-sponsored 401(k)s with alternatives like IRAs, SEP IRAs, SIMPLE IRAs, and even ordinary taxable investment accounts. Jim and Casey share real-world stories from clients, highlight common mistakes, and provide practical strategies to help you build a retirement plan that truly works for you. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome 01:02 Why 401(k)s Are a Cornerstone of Retirement Planning 02:40 2025 Contribution Limits & Catch-Up Provisions 05:10 Employer Matches: Don’t Leave Free Money Behind 07:45 The Roth vs. Traditional Decision 10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans 14:55 Taxable Investment Accounts and Flexibility in Retirement 18:22 Common Mistakes Pre-Retirees Make with Their Savings 21:05 Real-World Stories from Client Experiences 24:50 Putting It All Together: Building a Retirement Savings Strategy 27:33 Closing Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com Retirement doesn’t have to be complicated. In fact, the more complex your money and your life become, the more stress, confusion, and mistakes creep in. In this episode of the Smart Wealth and Retirement podcast, Jim Martin and Casey Bibb break down how to simplify retirement — both financially and personally — so you can spend less time managing the details and more time enjoying what matters most. Jim and Casey share why the happiest retirees aren’t the ones juggling dozens of accounts, spreadsheets, and investment products. Instead, they’ve learned to keep their plans clear, organized, and easy to follow. From consolidating accounts to streamlining portfolios, automating income, and reducing clutter in both paperwork and life, this episode is all about cutting through the noise. The conversation also goes beyond dollars and cents. You’ll hear how simplifying your calendar, your commitments, and even your home can bring peace of mind and create space for the relationships, hobbies, and experiences that make retirement meaningful. What you’ll learn in this episode: Why consolidating accounts can reduce confusion, risk, and even fees How to streamline your investments so they actually serve your income needs The power of automating withdrawals and RMDs to avoid stress and penalties How proactive tax strategy can prevent costly surprises later on Why decluttering paperwork, schedules, and even your home leads to more freedom The benefits of a simple, one-page financial plan over an 84-page binder you’ll never read Retirement isn’t about doing less or shrinking your life — it’s about focusing on what really matters and removing what doesn’t. By simplifying your money and your days, you gain the clarity and confidence to live fully, without second-guessing every move. If you’re ready to make your retirement less complicated and more fulfilling, this episode will show you the first steps. Want to work with us? Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com 00:00 Introduction and Welcome 01:02 Why 401(k)s Are a Cornerstone of Retirement Planning 02:40 2025 Contribution Limits & Catch-Up Provisions 05:10 Employer Matches: Don’t Leave Free Money Behind 07:45 The Roth vs. Traditional Decision 10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans 14:55 Taxable Investment Accounts and Flexibility in Retirement 18:22 Common Mistakes Pre-Retirees Make with Their Savings 21:05 Real-World Stories from Client Experiences 24:50 Putting It All Together: Building a Retirement Savings Strategy 27:33 Closing Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions share the 8 things you should stop doing if you want a stress-free, confident retirement. They highlight the bad habits and costly mistakes that can quietly derail your financial plan — from ignoring inflation to putting off Social Security decisions — and offer practical ways to get back on track. Jim and Casey explain why avoiding these missteps can save you time, money, and worry, and they provide real-world strategies you can apply today to strengthen your retirement outlook. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome 00:41 Why It’s Not Just What You Do — But What You Avoid 01:38 Mistake #1: Waiting Too Long to Start Planning 04:02 Mistake #2: Spending Without a Clear Retirement Budget 06:17 Mistake #3: Over-reliance on Social Security 09:04 Mistake #4: Ignoring Taxes in Retirement 12:15 Mistake #5: Investing Emotionally Instead of Strategically 16:02 Mistake #6: Carrying High-Interest Debt Into Retirement 19:43 Mistake #7: Underestimating Healthcare & Long-Term Care Costs 23:12 Mistake #8: Failing to Work with a Professional Advisor 26:25 Closing Thoughts and How to Get Started Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions introduce listeners to the Smart Wealth System, their step-by-step approach to building a retirement plan that creates clarity and confidence. They explain how the system helps identify goals, eliminate confusion, and provide a roadmap toward financial independence. Jim & Casey also share real-life examples of how clients have used the Smart Wealth System to make smarter decisions with their investments, taxes, and retirement income planning. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction to the Smart Wealth System 01:03 Meet the Hosts 02:15 Why Retirement Planning Needs a System 04:22 The Key Pillars of the Smart Wealth Process 08:30 Real-Life Client Success Story 11:10 Common Pitfall`s Without a Retirement Plan 13:54 How the System Helps Reduce Taxes & Risks 17:28 Creating Clarity and Confidence for Retirement 19:55 Final Thoughts and How to Get Started Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions discuss how taking on too much risk in your investments can jeopardize your retirement. They explore how to identify if you’re overexposed, the dangers of chasing big returns, and why understanding your personal risk tolerance is essential to long-term success. Jim & Casey share stories from client experiences, explain how different asset classes respond to market shifts, and give practical tips for aligning your portfolio with your retirement goals. You’ll also hear strategies for building a balanced plan that can weather both bull and bear markets—without losing sleep along the way. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome 00:51 Meet the Hosts 01:32 Why “Too Much Risk” Is a Common Problem 03:05 How to Know If You’re Overexposed in Your Portfolio 06:14 The Lure and Danger of Chasing High Returns 09:48 Understanding Your Personal Risk Tolerance 12:22 Market Volatility and How Different Assets Behave 15:39 Client Story: Learning the Hard Way 18:15 Aligning Risk Levels with Your Retirement Timeline 21:07 Building a Balanced, Resilient Portfolio 24:10 Final Thoughts and Takeaways Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions continue their deep dive into Social Security, focusing on strategies to maximize your benefits. They discuss the importance of understanding your full retirement age, the impact of claiming early or delaying, and how spousal and survivor benefits can play into your plan. Jim & Casey also cover taxation of benefits, coordination with other income sources, and key mistakes to avoid. This episode offers practical, clear guidance to help you make the most of your Social Security decisions. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction to Today’s Topic 00:38 Review of Social Security Basics from Part 1 02:14 Full Retirement Age and Its Impact 04:56 Early Claiming: Pros, Cons, and Long-Term Effects 08:20 Delaying Benefits for Higher Payouts 11:05 Spousal and Survivor Benefits Explained 15:32 Taxation of Social Security Benefits 18:45 Coordinating Social Security with Other Income 22:10 Common Mistakes and How to Avoid Them 25:54 Final Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive into one of the most important—and often misunderstood—topics in retirement planning: Social Security. They cover when to take it, how spousal and survivor benefits work, and the impact of early versus delayed claiming. Jim & Casey also bust some common myths and walk through real-life scenarios that help you think strategically about how Social Security fits into your broader retirement income plan. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction: The Importance of Social Security Planning 01:10 Meet the Hosts: Jim Martin & Casey Bibb 01:45 Why Timing Matters for Social Security 03:20 Misconceptions About Taking Benefits Early 06:08 Full Retirement Age Explained 07:44 Delayed Credits: Why Waiting Can Pay Off 09:16 Spousal Benefits and Eligibility Rules 13:10 Survivor Benefits: What Widows and Widowers Need to Know 15:43 Real-Life Client Example: Strategic Claiming 18:22 How Social Security Fits Into a Broader Retirement Plan 22:18 Wrap-Up and Key Takeaways Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most misunderstood tools in retirement planning: annuities. From fixed to indexed to variable annuities, they walk through what each type does, how they work, and where they might fit in a retirement strategy. If you’ve ever wondered whether an annuity is right for you—or if the bad press is warranted—this episode brings clarity and balance to the conversation. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Intro: The Annuity Debate 01:42 What Is an Annuity, Really? 03:28 The Insurance Component Explained 06:17 Why Annuities Are Misunderstood 08:55 Fixed Annuities vs. CDs: Pros and Cons 10:40 Fixed Indexed Annuities: How They Work 13:50 The Role of Riders and Guarantees 17:08 Annuity Fees and Liquidity Trade-offs 20:25 When an Annuity Might Make Sense 22:41 Case Study: A Real-Life Example 26:00 Is an Annuity Right for You? Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most pressing questions for new retirees: “How will I replace my paycheck?” They break down how to turn your retirement savings into a reliable income stream that lasts, while minimizing taxes and avoiding common mistakes. Jim and Casey discuss essential topics like income buckets, required minimum distributions (RMDs), annuities, and tax-efficient withdrawal strategies. If you’re approaching retirement—or already there—this episode will help you build a paycheck plan you can count on. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction: The Paycheck Gap in Retirement 00:39 Why You Need a Paycheck Replacement Plan 01:32 The Value of a Retirement Income Plan 02:48 How Most People Withdraw Their Money—and Why It’s Risky 04:03 Understanding the Different “Buckets” of Money 06:32 Tax-Efficient Withdrawal Strategies 09:13 Building in Flexibility and Liquidity 10:50 Do You Need an Annuity? 12:16 Managing Sequence of Return Risk 13:45 Required Minimum Distributions (RMDs) Explained 15:14 Don’t Just Wing It—Have a System 16:33 Final Thoughts and Encouragement Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin and Casey Bibb of Martin Wealth Solutions explain the crucial differences between fiduciaries and other financial advisors. They discuss the importance of working with a fiduciary, how it impacts your retirement planning, and the essential questions you should ask to ensure your advisor is acting in your best interest. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Episode Overview 00:43 Understanding Fiduciaries 02:03 Case Study: Susie's Annuity 03:20 The Importance of Fiduciary Duty 08:46 Questions to Ask Your Advisor 14:25 Final Thoughts and Call to Action 16:06 Disclaimer and Legal Information Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down five key types of investments you should understand before retiring. They explore the roles of stocks, bonds, real estate, annuities, and cash equivalents in building a resilient retirement portfolio. Jim and Casey explain how each investment works, the risks and rewards involved, and how to align them with your goals. Whether you're a conservative investor or willing to take on more risk, this episode helps you make more informed financial decisions as you approach retirement. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Welcome and Introduction 00:35 Why Knowing Your Investments Matters 01:22 #1: Stocks – Growth and Volatility 03:30 #2: Bonds – Income and Stability 05:45 #3: Real Estate – Passive Income and Property Ownership 08:21 #4: Annuities – Predictable Income with Caveats 10:55 #5: Cash and Cash Equivalents – Liquidity and Safety 12:48 Diversification and Building a Balanced Strategy 14:06 Final Thoughts and Recap 15:22 How to Learn More and Get in Touch Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb discuss the practical steps and habits that everyday millionaires use to achieve financial freedom. They debunk common myths about wealth, emphasizing simple strategies such as consistent saving, living below your means, long-term investing, business ownership, and cautious real estate investment. Additionally, they highlight what to avoid, such as high interest debt and market timing. Practical tips and personal anecdotes illustrate how to start building wealth today, regardless of your current financial situation. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Setting the Stage 00:15 The Reality of Millionaires 00:41 Dreams of Winning the Lottery 02:24 Common Traits of Millionaires 06:05 Pathways to Wealth 13:49 What Millionaires Avoid 17:12 Steps to Start Building Wealth 19:18 Conclusion and Final Thoughts Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions reveal the five critical moves every new retiree should make in their first year. From building a retirement paycheck and spending plan to evaluating tax strategies and updating estate documents, Jim and Casey offer practical steps to help retirees transition with confidence and clarity. Plus, they share powerful client stories, emotional insights, and tips for creating purpose and joy in your new lifestyle. If you're newly retired—or getting close—this episode is your roadmap for year one. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Welcome and Episode Intro 01:18 Replacing Your Paycheck with Purpose 03:10 How to Build a Tax-Efficient Retirement Paycheck 06:04 Planning for the Surviving Spouse 07:55 Creating a Spending Plan in Retirement 10:45 Understanding Fixed, Flexible, and Fun Expenses 13:18 Client Story: From One Cruise to Two 16:03 Avoiding Overspending in Year One 17:50 Evaluating Your Tax Strategy 21:22 The Power of Roth Conversions and RMD Planning 24:01 Estate and Healthcare Planning in Retirement 27:48 Why End-of-Life Planning Is a Gift 30:11 Retirement Isn’t Just Financial—It’s Emotional 33:17 Finding Purpose and Passion Post-Retirement 36:04 Client Story: From Boredom to Fulfillment 38:15 Listener Q&A: Social Security and Overspending 41:12 The Value of Flexibility and Having a Guide 43:00 Final Thoughts and C.S. Lewis Wisdom 44:02 Thanks for Listening and How to Connect Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties’ informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.