In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle a sensitive — but very common — retirement challenge: when one spouse is ready to retire and the other isn’t. Jim and Casey discuss why this situation happens more often than people expect and how differences in identity, purpose, finances, and timing can create tension. They explore the emotional and practical considerations behind staggered retirements, how income planning changes when only one spouse stops working, and why communication and clarity are critical before making any big decisions. If you or your spouse are approaching retirement and feeling unsure about taking that step together, this episode offers thoughtful guidance to help couples move forward with confidence and alignment. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: When retirement timing isn’t aligned01:46 – Why this issue comes up so often with couples03:12 – Emotional reasons one spouse may not want to retire05:08 – Identity, purpose, and work beyond the paycheck07:06 – Financial concerns behind staggered retirements09:02 – How income planning changes when one spouse retires11:14 – Social Security and benefit timing considerations13:06 – Communication mistakes couples often make15:02 – How to start the retirement conversation productively17:04 – Planning options when spouses retire at different times19:10 – Real-life client examples and lessons learned21:12 – Final thoughts and closing 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 take on some of the most common — and dangerous — investment myths that can derail retirement plans. Jim and Casey break down widely held beliefs about risk, market timing, diversification, income investing, and “playing it safe” in retirement. They explain why these myths persist, how they can quietly hurt long-term outcomes, and what a smarter, more disciplined investment approach looks like as you near or enter retirement. If you’ve ever felt uncertain about how to invest once retirement is on the horizon, this episode provides clarity and perspective to help you make confident, informed decisions. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why retirement investment myths are so common01:42 – Why misinformation spreads in investing02:10 – Myth #1: “The Stock Market is too risky in retirement”05:03 – Myth #2: “Bond are always safe”06:03 – Myth #3: “You can just live off dividends and interest”08:34 – Myth #4: “Can you time the Market?”10:12 – Myth #5: “Past performance predicts future results”12:20 – Myth #6: “Fees don't matter if performance is good”13:48 – Myth #7: “You don't need professional help - You can do it yourself”16:40 – How to protect yourself from investment myths21:06 – What smart investing really looks like in retirement23:10 – Key takeaways 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 of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down one of the most confusing — yet essential — components of retirement planning: bonds. Jim and Casey explain what bonds are, how they generate income, and why they behave differently from stocks. They dig into interest rates, bond ladders, risk vs. reward, and why bonds can either stabilize a retirement portfolio or hold it back depending on how they're used. Whether you're already retired or planning ahead, this episode clarifies the role bonds should play in your long-term income plan — especially in today’s evolving interest-rate environment. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why bonds matter in retirement01:36 – What exactly is a bond?02:58 – How bonds generate income04:26 – Why bonds behave differently from stocks05:58 – Interest rates and how they affect bond values07:46 – The role bonds play in stabilizing a retirement portfolio09:30 – When bonds can actually hurt your retirement plan11:12 – Understanding bond duration and risk12:58 – The pros and cons of bond ladders14:40 – How to know if you have the right amount of bonds16:12 – Bonds vs. CDs vs. annuities — what’s the difference?17:48 – Practical tips for building a bond strategy 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 some of the most common — and costly — mistakes people make leading up to and during retirement. From emotional investing and improper risk management to underestimating taxes, Social Security timing, and overspending early in retirement, Jim and Casey explain why these issues show up so often… and what you can do to stay clear of them. They share real-world client experiences, discuss the habits that lead to long-term success, and offer practical steps to help retirees and pre-retirees avoid unnecessary stress, poor decisions, and financial regret. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why retirement mistakes happen03:05 – Mistake #1: Overspending early in retirement06:14 – Mistake #2: Not having a written plan08:10 – Mistake #3: Not investing your age10:34 – Mistake #4: Working longer than you really needed to13:29 – Mistake #5: Ignoring taxes until it's too late14:23 – Mistake #6: Delaying big decisions16:50 – Mistake #7: Not reaching out to our team 17:40 – Q&A with Casey20:45 – Key takeaways & closing 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 of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions talk through one of the biggest emotional challenges retirees face: staying calm during market volatility. Jim and Casey unpack why markets feel so unpredictable, the psychological traps investors often fall into, and the practical steps you can take to keep your financial plan on track when headlines turn scary. They also share real client experiences, lessons learned from previous downturns, and the mindset shifts that help long-term investors stay confident rather than reactive. Whether you're retired or nearing retirement, this episode provides clarity and reassurance for navigating uncertain times with a steady hand. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why markets feel more “nervous” lately02:04 – What a “nervous market” really means03:30 – Why volatility feels worse than it actually is05:22 – Emotional traps investors fall into07:10 – Recency bias, fear, and market overreactions09:18 – What history tells us about volatile periods11:26 – How long-term investors can stay grounded13:14 – Building a plan that can weather any market15:06 – Why staying invested matters more than timing17:20 – Real client stories from past downturns19:02 – Practical steps to stay calm and make smart decisions21:18 – How to evaluate your portfolio during volatility22:42 – Final thoughts and encouragement 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 walk through a practical, easy-to-follow year-end financial checklist to help you finish the year strong and set up a successful year ahead. Jim and Casey cover ten items every household should review before December 31st — They explain why each step matters, what most people overlook, and how small adjustments now can make a big impact on your long-term retirement plan. Whether you’re nearing retirement or still building toward it, this is a simple and actionable guide to making sure your financial life is aligned and prepared for the coming year. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why year-end planning matters 01:34 – What to review before December 31 03:18 – Checklist Item #1: Review your tax situation 04:24 – Checklist Item #2: Take your RMDs 05:06 – Checklist Item #3: Maximize retirement contributions 05:56 – Checklist Item #4: Harvest gains & losses wisely 07:20 – Checklist Item #5: Give strategically  08:15 – Checklist Item #6: Review your portfolio & rebalance 09:05 – Checklist Item #7: Check beneficiaries & estate documents 10:10 – Checklist Item #8: Review your insurance coverage 10:45 – Checklist Item #9: Review long-term care insurance 11:05 – Checklist Item #10: Set next year's financial goals 13:10 – Q&A with Casey 15:25 – Final thoughts & takeaways 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 dive deep into one of the most important — and often misunderstood — parts of retirement planning: long-term care. They break down what long-term care really means, how it fits into a retirement plan, and the pros and cons of having insurance versus self-funding. Jim and Casey explore the emotional and financial impact of care decisions, discuss the difference between traditional and hybrid policies, and share real-life examples from clients who’ve faced these challenges firsthand. Whether you’re in your 50s, nearing retirement, or already retired, this episode offers practical insight into protecting your assets and your loved ones while maintaining peace of mind. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why long-term care planning matters02:12 – What “long-term care” actually covers04:05 – How rising healthcare costs affect retirees06:14 – Why planning early can make a big difference08:02 – The pros of long-term care insurance10:26 – Common drawbacks and misconceptions12:45 – Comparing traditional vs. hybrid policies15:04 – When self-funding may make more sense17:10 – How long-term care can impact your income plan19:22 – Real-life client examples and lessons learned23:02 – Key takeaways and next steps Disclosure 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 explore whether owning rental properties is a smart move during retirement. They discuss the pros — such as steady income, appreciation, and diversification — along with the cons that retirees often overlook, including taxes, maintenance headaches, liquidity issues, and tenant risk. Jim and Casey share real-life stories from clients who’ve both succeeded and struggled with investment properties, and they examine alternatives like REITs and other passive income options that offer exposure to real estate without the stress of being a landlord. If you’ve ever wondered whether real estate belongs in your retirement plan, this conversation offers a balanced look at the opportunities and pitfalls — so you can make decisions that align with your goals, not just the headlines. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Is real estate the right move in retirement?02:06 – The appeal of rental income for retirees04:25 – The realities of being a landlord06:40 – Taxes, repairs, and cash flow surprises08:58 – When rental properties become more work than reward11:10 – Client story: managing multiple rental homes13:18 – Evaluating the opportunity cost of real estate ownership15:06 – REITs and other alternatives to direct property management17:45 – How to know if real estate fits your retirement plan20:12 – Final thoughts and key takeaways 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 tackle one of the most common retirement questions — “Do I really need $1.5 million to retire comfortably?” Jim and Casey break down where that number comes from, why it’s often misunderstood, and what truly determines how much you need. They discuss the key variables that shape your retirement number — lifestyle, spending habits, healthcare, taxes, and longevity — and explain how income planning can often matter more than your total account balance. Whether you’re just starting to save or approaching the finish line, this episode helps you replace the guesswork with a plan that fits your real life — not a headline. 👉 http://retirewithmartin.com/ ← Learn about working with us👉 www.planwellretirehappy.com Timestamps:00:00 Introduction: The $1.5 Million Question00:48 Meet the Hosts – Jim & Casey01:35 Where the $1.5M Rule Comes From03:22 Why “One-Size-Fits-All” Doesn’t Work05:10 Lifestyle & Spending: The Real Drivers of Your Number07:00 How Location and Cost of Living Impact Your Plan08:45 The Importance of Income Planning Over Total Savings10:58 Understanding Taxes, Inflation, and Longevity Risks13:42 Real Client Story: Living Well Below $1.5 Million16:05 How to Calculate Your Personal Retirement Number18:10 Common Mistakes People Make When Estimating Needs19:35 Final Thoughts: Confidence Over Comparison 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 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 Setup00:35 Meet the Hosts — Casey & Special Guest Theresa Martin01:20 Why Healthcare Costs Matter in Retirement03:05 Medicare Basics: Parts A, B, C & D05:10 Coverage Gaps & Supplemental Options07:05 Long-Term Care: What to Know & When It Makes Sense09:00 HSAs & Tax Angles Before/After 6510:35 Building a Healthcare Budget Inside Your Plan12:20 Real-Life Example & Lessons Learned14:10 Action Steps & Common Pitfalls to Avoid15:30 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 Retirement01:03 Meet the Hosts – Jim & Casey02:00 The Fear of Retiring Before a Market Drop04:28 How Diversification Protects Income07:40 Building a Retirement Plan That Survives “What Ifs”10:52 Inflation, Healthcare, and the Unexpected Costs of Retirement13:17 The Emotional Side of Market Volatility15:30 Real-Life Client Example: Staying the Course During a Downturn18:45 Why Planning Beats Prediction21:12 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 Downsizing01:08 Meet the Hosts – Jim & Casey02:25 Why Downsizing Comes Up So Often in Retirement Planning04:47 The Financial Math Behind a Smaller Home07:32 Tax Considerations When Selling Your Home09:45 Real Client Story: Moving to Simplify Life12:58 Hidden Costs and Pitfalls to Avoid15:40 Market Timing: Sell Now or Wait?18:12 Lifestyle Shifts After Downsizing20:55 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 story00:55 – Client Story: Mr. Reynolds’ $500,000 Roth conversion gone wrong04:30 – The Importance of Tax Timing and why conversions should be done gradually06:18 – Reason #1: Expecting lower taxes in retirement — when a Roth may not make sense08:40 – Reason #2: You don’t have extra cash to pay conversion taxes10:52 – 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 off15:46 – Reason #5: Charitable giving — why Roths don’t help charities or QCDs18:05 – Reason #6: If you’re child-free, legacy benefits may not apply20:40 – Reason #7: High-income earners may not benefit from Roth contributions23:16 – 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 planning27:55 – 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 decisions32:00 – 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 Matters01:12 Meet the Hosts – Jim & Casey02:05 The Federal Reserve’s Role Explained04:28 How Rising Rates Impact Borrowing and Mortgages07:14 The Link Between Interest Rates and Inflation09:45 What Retirees Need to Know About Bonds and Fixed Income13:22 Portfolio Allocation During Rate Changes16:41 Social Security Timing and Rate Considerations19:15 Case Study: Retiree Adjusting to Higher Rates22:40 Practical Steps to Stay Financially Flexible26:00 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/@MartinWealthLearn 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/@MartinWealthLearn 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 Welcome01:02 Why 401(k)s Are a Cornerstone of Retirement Planning02:40 2025 Contribution Limits & Catch-Up Provisions05:10 Employer Matches: Don’t Leave Free Money Behind07:45 The Roth vs. Traditional Decision10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans14:55 Taxable Investment Accounts and Flexibility in Retirement18:22 Common Mistakes Pre-Retirees Make with Their Savings21:05 Real-World Stories from Client Experiences24:50 Putting It All Together: Building a Retirement Savings Strategy27:33 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/@MartinWealthLearn 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/@MartinWealthLearn more: martinwealth.com 00:00 Introduction and Welcome01:02 Why 401(k)s Are a Cornerstone of Retirement Planning02:40 2025 Contribution Limits & Catch-Up Provisions05:10 Employer Matches: Don’t Leave Free Money Behind07:45 The Roth vs. Traditional Decision10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans14:55 Taxable Investment Accounts and Flexibility in Retirement18:22 Common Mistakes Pre-Retirees Make with Their Savings21:05 Real-World Stories from Client Experiences24:50 Putting It All Together: Building a Retirement Savings Strategy27:33 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 Welcome00:41 Why It’s Not Just What You Do — But What You Avoid01:38 Mistake #1: Waiting Too Long to Start Planning04:02 Mistake #2: Spending Without a Clear Retirement Budget06:17 Mistake #3: Over-reliance on Social Security09:04 Mistake #4: Ignoring Taxes in Retirement12:15 Mistake #5: Investing Emotionally Instead of Strategically16:02 Mistake #6: Carrying High-Interest Debt Into Retirement19:43 Mistake #7: Underestimating Healthcare & Long-Term Care Costs23:12 Mistake #8: Failing to Work with a Professional Advisor26:25 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 System01:03 Meet the Hosts02:15 Why Retirement Planning Needs a System04:22 The Key Pillars of the Smart Wealth Process08:30 Real-Life Client Success Story11:10 Common Pitfall`s Without a Retirement Plan13:54 How the System Helps Reduce Taxes & Risks17:28 Creating Clarity and Confidence for Retirement19:55 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.