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.