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.



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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

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