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.

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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

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