107.3K
Downloads
138
Episodes
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 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:
-
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/@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.
Monday Aug 04, 2025
Monday Aug 04, 2025
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.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
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
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 Jul 28, 2025
Monday Jul 28, 2025
In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most misunderstood tools in retirement planning: annuities. From fixed to indexed to variable annuities, they walk through what each type does, how they work, and where they might fit in a retirement strategy. If you’ve ever wondered whether an annuity is right for you—or if the bad press is warranted—this episode brings clarity and balance to the conversation.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Intro: The Annuity Debate
01:42 What Is an Annuity, Really?
03:28 The Insurance Component Explained
06:17 Why Annuities Are Misunderstood
08:55 Fixed Annuities vs. CDs: Pros and Cons
10:40 Fixed Indexed Annuities: How They Work
13:50 The Role of Riders and Guarantees
17:08 Annuity Fees and Liquidity Trade-offs
20:25 When an Annuity Might Make Sense
22:41 Case Study: A Real-Life Example
26:00 Is an Annuity Right for You?
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 Jul 21, 2025
Monday Jul 21, 2025
In this episode of the Smart Wealth Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack one of the most pressing questions for new retirees: “How will I replace my paycheck?” They break down how to turn your retirement savings into a reliable income stream that lasts, while minimizing taxes and avoiding common mistakes. Jim and Casey discuss essential topics like income buckets, required minimum distributions (RMDs), annuities, and tax-efficient withdrawal strategies. If you’re approaching retirement—or already there—this episode will help you build a paycheck plan you can count on.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Introduction: The Paycheck Gap in Retirement
00:39 Why You Need a Paycheck Replacement Plan
01:32 The Value of a Retirement Income Plan
02:48 How Most People Withdraw Their Money—and Why It’s Risky
04:03 Understanding the Different “Buckets” of Money
06:32 Tax-Efficient Withdrawal Strategies
09:13 Building in Flexibility and Liquidity
10:50 Do You Need an Annuity?
12:16 Managing Sequence of Return Risk
13:45 Required Minimum Distributions (RMDs) Explained
15:14 Don’t Just Wing It—Have a System
16:33 Final Thoughts and Encouragement
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 Jul 14, 2025
Monday Jul 14, 2025
In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin and Casey Bibb of Martin Wealth Solutions explain the crucial differences between fiduciaries and other financial advisors. They discuss the importance of working with a fiduciary, how it impacts your retirement planning, and the essential questions you should ask to ensure your advisor is acting in your best interest.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
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.