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Retirement Answers Today 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 Retirement Answers Today and make informed decisions that help you retire with confidence.
Episodes
48 minutes ago
48 minutes ago
In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb of Martin Wealth Solutions delve into the complexities of Required Minimum Distributions (RMDs) for retirement accounts like traditional IRAs and 401(k)s. They discuss the timing, calculation, and strategies for managing RMDs to avoid surprise tax bills and unnecessary withdrawals. The discussion includes real-life client scenarios and emphasizes the importance of strategic planning, early Roth conversions, and qualified charitable distributions. The goal is to prepare listeners approaching retirement to manage RMDs efficiently and minimize tax impacts.
http://retirewithmartin.com/ <- Learn about working with us
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.
7 days ago
7 days ago
In this episode, financial advisors and retirement planning experts Jim Martin and Casey Bibb from Martin Wealth Solutions discuss the essential elements of retirement readiness, focusing on three critical questions that can help determine whether you're ready to retire. The episode covers important topics such as identifying where your retirement income will come from, assessing your ability to handle market downturns without losing sleep, and the importance of having a written financial plan. The discussion also includes practical advice on maintaining life satisfaction through social engagements and the benefits of structured financial planning. With personal anecdotes and expert insights, this episode aims to guide listeners through the complexities of planning for a secure and fulfilling retirement.
http://retirewithmartin.com/ <- Learn about working with us
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 May 19, 2025
Monday May 19, 2025
In this episode of the podcast, financial advisors and retirement planners Jim Martin and Casey Bibb from Martin Wealth Solutions address the top four retirement questions frequently asked by clients. They provide detailed insights on determining if you have enough saved for retirement, the optimal time to take Social Security benefits, how to react during market downturns, and strategies for minimizing taxes during retirement. Tune in to gain valuable information and practical tips to help you plan and achieve a financially secure retirement.
http://retirewithmartin.com/ <- Learn about working with us
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 May 12, 2025
Monday May 12, 2025
In this episode, financial advisors and retirement planners Jim and Casey discuss the four stages of retirement: pre-retirement, go-go years, slow-go years, and no-go years. They emphasize the importance of planning for each stage to ensure a fulfilling and financially secure retirement. The hosts break down key strategies such as maximizing contributions, tax planning, debt reduction, and planning for healthcare needs. They also discuss the emotional aspects of retirement and the need for community and purpose. As a bonus, the episode touches on the surprising statistic that 60% of retirees wish they had a side gig for mental stimulation.
http://retirewithmartin.com/ <- Learn about working with us
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 May 05, 2025
Monday May 05, 2025
In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb discuss the top five most common and preventable retirement mistakes they encounter, from poor tax planning and early Social Security claims to inadequate investment risk management and healthcare oversight. They provide guidance on constructing a written income plan, optimizing Social Security, and devising a tax strategy to help retirees maintain financial stability. The episode also touches on personal anecdotes and highlights the importance of making well-informed decisions to secure a comfortable and worry-free retirement.
http://retirewithmartin.com/ <- Learn about working with us
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 Apr 28, 2025
Monday Apr 28, 2025
This episode explores the essential considerations for hiring a financial advisor, focusing on understanding your needs and goals rather than jumping into products. The hosts, financial advisors Jim Martin & Casey Bibb, discuss the importance of having a written financial plan, the fiduciary responsibility of advisors, and the key questions to ask when interviewing potential advisors. Additionally, they highlight the significance of finding someone you trust and who communicates effectively, emphasizing that great financial advice should go beyond mere investment suggestions to include comprehensive planning across various aspects of your financial life. The episode includes engaging anecdotes and practical advice to help retirees make informed decisions about their financial future.
http://retirewithmartin.com/ <- Learn about working with us
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 Apr 21, 2025
Monday Apr 21, 2025
In today's episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the key steps to preparing for a move to another state in retirement. They cover financial assessments, including understanding state taxes and real estate costs, healthcare and insurance considerations, legal and estate planning needs, and the importance of social networks and community integration. The hosts share practical tips and personal anecdotes to help retirees make informed decisions about relocating, ensuring a smooth transition to their new homes.
http://retirewithmartin.com/ <- Learn about working with us
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 Apr 14, 2025
Monday Apr 14, 2025
http://retirewithmartin.com/ <- Learn about working with us
Point 1: Market Corrections are Normal and Frequent
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Average Frequency and Duration of Corrections:
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Source: Fidelity Investments, “U.S. stock market corrections: A historical perspective,” February 2023.
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Point 2: Bear Markets Always End with a Recovery
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Historical Bear Market Data (duration, depth, frequency):
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Source: Schwab Center for Financial Research, "Bear Markets in Historical Perspective," November 2022.
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2008 Financial Crisis Recovery Example:
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Source: CNBC Markets Report, "The stock market’s historic 11-year bull run came to an end—here’s how it compared," March 2020.
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Point 3: Emotional Decisions Cost Investors
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JPMorgan Asset Management Study (Impact of Missing the Best Days):
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Source: JPMorgan Asset Management, “Guide to Retirement,” 2023 Edition.
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COVID-19 Crash Example:
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Source: Vanguard Insights, "How America invests 2022," June 2022.
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Point 4: Diversification and a Balanced Portfolio Reduce Volatility
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Balanced Portfolio (60/40) Performance and Volatility Comparison:
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Source: Vanguard, "The case for a balanced portfolio," April 2023.
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2022 Diversification Example:
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Source: Morningstar Research, "How a Diversified Portfolio Helped Investors Survive 2022’s Bear Market," January 2023.
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Point 5: Time in the Market Beats Timing the Market
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Dalbar Quantitative Analysis of Investor Behavior (QAIB):
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Source: Dalbar’s "Quantitative Analysis of Investor Behavior (QAIB) Report," 2023 Edition.
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Historical Comparison (Dot-Com, 2008 Financial Crisis, COVID):
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Source: Fidelity Investments, "Market timing can cost investors big," February 2023.
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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 Apr 07, 2025
Monday Apr 07, 2025
In this episode, financial advisors and retirement planners Jim Martin & Casey Three-Point Bibb discuss how taxes can often be the largest expense for retirees and what can be done to mitigate their impact. The conversation covers common tax pitfalls, strategic use of tax-deferred accounts like IRAs and 401(k)s, and effective strategies such as Roth conversions, tax-efficient withdrawal plans, and Qualified Charitable Distributions (QCDs). The hosts provide actionable insights and highlight the importance of working with a tax-aware financial advisor. The show concludes with answers to listener questions about managing old 401(k)s and handling market volatility in retirement.
http://retirewithmartin.com/ <- Learn about working with us
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 Mar 31, 2025
Monday Mar 31, 2025
In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb of Martin Wealth Solutions discuss market volatility and its impact on investors. They introduce the bucket strategy—a method of segmenting investments into short-term, medium-term, and long-term buckets to protect assets and ensure financial stability in retirement. The hosts break down how to allocate funds within each bucket to reduce risk and boost confidence among retirees. Additionally, the episode covers tips for saving money on summer travel, encouraging proactive planning and flexibility for a stress-free journey. Tune in to learn strategies that can help you achieve a secure and joyful retirement.
http://retirewithmartin.com/ <- Learn about working with us
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.