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Smart Wealth and Retirement is your go-to podcast for clear, actionable guidance to build your dream retirement. Hosted by experienced Dave Ramsey SmartVestor Pros, each episode simplifies the complexities of retirement planning and wealth management, giving you strategies you can confidently implement today.
Whether you’re nearing retirement or already there, we’ll cover crucial topics such as creating sustainable retirement income, managing taxes strategically, making smart investment decisions, maximizing your Social Security benefits, and much more.
Our goal is simple: help you achieve financial clarity and peace of mind, so you can spend retirement focused on what truly matters. Tune in weekly to get straightforward advice, timely insights, and practical answers to your biggest retirement questions.
It’s time to secure your financial future—start listening to Smart Wealth and Retirement and make informed decisions that help you retire with confidence.
Episodes
Monday Oct 13, 2025
Monday Oct 13, 2025
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.
Monday Oct 06, 2025
Monday Oct 06, 2025
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.
Monday Sep 29, 2025
Monday Sep 29, 2025
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
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Jim & Casey set the stage: estate planning isn’t just for the wealthy.
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Why retirees often overlook this step until it’s too late.
03:10 — Wills: The Foundation of an Estate Plan
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What a will does (and doesn’t) accomplish.
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The risks of dying without one.
07:25 — Trusts: Control and Probate Avoidance
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How trusts provide privacy and efficiency.
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When it makes sense to use one vs. relying solely on a will.
12:15 — Healthcare Directives & Living Wills
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Documenting your wishes before a crisis occurs.
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How this protects your loved ones from difficult decisions.
16:40 — Powers of Attorney: Financial & Medical
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The difference between financial and medical POAs.
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Why not having them can stall critical decisions.
20:55 — Beneficiary Designations: The Overlooked Detail
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Why your 401(k), IRA, and insurance beneficiary forms can override a will.
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Real-world example of a costly mistake from outdated paperwork.
25:30 — Common Mistakes & How to Avoid Them
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Failing to update documents after life changes.
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Assuming “one and done” instead of ongoing maintenance.
29:45 — Final Thoughts & Next Steps
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A 5-document checklist for every retiree.
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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.
Monday Sep 22, 2025
Monday Sep 22, 2025
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
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📊 How $750K can realistically provide income in retirement
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🕒 Why the first 10 years matter most for your retirement timeline
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💵 How Social Security fits into your income picture
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🔄 The 3 phases of retirement (Go-Go, Slow-Go, No-Go) and how spending shifts in each
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⚖️ The importance of balancing risk and protection in your portfolio
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🧾 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.
Monday Sep 15, 2025
Monday Sep 15, 2025
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.
Monday Sep 08, 2025
Monday Sep 08, 2025
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:
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Why consolidating accounts can reduce confusion, risk, and even fees
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How to streamline your investments so they actually serve your income needs
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The power of automating withdrawals and RMDs to avoid stress and penalties
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How proactive tax strategy can prevent costly surprises later on
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Why decluttering paperwork, schedules, and even your home leads to more freedom
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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.
Monday Sep 01, 2025
Monday Sep 01, 2025
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.
Monday Aug 25, 2025
Monday Aug 25, 2025
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.
Monday Aug 18, 2025
Monday Aug 18, 2025
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.
Monday Aug 11, 2025
Monday Aug 11, 2025
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.