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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
7 days ago
7 days ago
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.
Monday Jul 07, 2025
Monday Jul 07, 2025
In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down five key types of investments you should understand before retiring. They explore the roles of stocks, bonds, real estate, annuities, and cash equivalents in building a resilient retirement portfolio. Jim and Casey explain how each investment works, the risks and rewards involved, and how to align them with your goals. Whether you're a conservative investor or willing to take on more risk, this episode helps you make more informed financial decisions as you approach retirement.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Welcome and Introduction
00:35 Why Knowing Your Investments Matters
01:22 #1: Stocks – Growth and Volatility
03:30 #2: Bonds – Income and Stability
05:45 #3: Real Estate – Passive Income and Property Ownership
08:21 #4: Annuities – Predictable Income with Caveats
10:55 #5: Cash and Cash Equivalents – Liquidity and Safety
12:48 Diversification and Building a Balanced Strategy
14:06 Final Thoughts and Recap
15:22 How to Learn More and Get in Touch
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.
Monday Jun 30, 2025
Monday Jun 30, 2025
In this episode, financial advisors and retirement planners Jim Martin and Casey Bibb discuss the practical steps and habits that everyday millionaires use to achieve financial freedom. They debunk common myths about wealth, emphasizing simple strategies such as consistent saving, living below your means, long-term investing, business ownership, and cautious real estate investment. Additionally, they highlight what to avoid, such as high interest debt and market timing. Practical tips and personal anecdotes illustrate how to start building wealth today, regardless of your current financial situation.
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.
Monday Jun 23, 2025
Monday Jun 23, 2025
In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions reveal the five critical moves every new retiree should make in their first year. From building a retirement paycheck and spending plan to evaluating tax strategies and updating estate documents, Jim and Casey offer practical steps to help retirees transition with confidence and clarity. Plus, they share powerful client stories, emotional insights, and tips for creating purpose and joy in your new lifestyle. If you're newly retired—or getting close—this episode is your roadmap for year one.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Welcome and Episode Intro
01:18 Replacing Your Paycheck with Purpose
03:10 How to Build a Tax-Efficient Retirement Paycheck
06:04 Planning for the Surviving Spouse
07:55 Creating a Spending Plan in Retirement
10:45 Understanding Fixed, Flexible, and Fun Expenses
13:18 Client Story: From One Cruise to Two
16:03 Avoiding Overspending in Year One
17:50 Evaluating Your Tax Strategy
21:22 The Power of Roth Conversions and RMD Planning
24:01 Estate and Healthcare Planning in Retirement
27:48 Why End-of-Life Planning Is a Gift
30:11 Retirement Isn’t Just Financial—It’s Emotional
33:17 Finding Purpose and Passion Post-Retirement
36:04 Client Story: From Boredom to Fulfillment
38:15 Listener Q&A: Social Security and Overspending
41:12 The Value of Flexibility and Having a Guide
43:00 Final Thoughts and C.S. Lewis Wisdom
44:02 Thanks for Listening and How to Connect
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.
Monday Jun 16, 2025
Monday Jun 16, 2025
In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack the latest insights on how Americans are saving for retirement—and what that means for you. They highlight a record-setting year for 401(k) contributions, compare generational saving trends, and share five powerful ways pre-retirees can boost their retirement readiness. From maximizing employer matches to choosing between Roth and Traditional strategies, Jim and Casey walk listeners through simple, effective ways to take control of their financial future.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Introduction and Celebration
00:14 Understanding Retirement Savings
00:41 The Comparison Trap
01:30 House Renovations Update
01:53 Record 401k Savings Rates
02:45 Wealth Smart Process
05:47 Generational Savings Insights
09:23 Savings Rates by Age
10:15 Celebrating Gen Z's Financial Achievements
10:31 Five Powerful Ways to Catch Up on Retirement Savings
10:46 Maximizing Contributions and Catch-Up Strategies
11:50 Roth vs. Traditional: Be Intentional
12:15 Don't Leave Match Money on the Table
12:33 Simplify and Stress Test Your Retirement Plan
13:40 Dos and Don'ts of Retirement Planning
16:07 Addressing Listener Questions and Concerns
19:50 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.
Monday Jun 09, 2025
Monday Jun 09, 2025
This episode discusses the importance of saying no as an act of self-protection and boundary-setting in retirement. Financial advisors and retirement planners Jim Martin & Casey Bibb emphasize focusing on core values and maintaining financial sustainability. They cover practical scenarios such as resisting pressure from family, avoiding high-risk investments, managing time commitments, preventing overspending, and discerning conflicting financial advice. Listeners are encouraged to create a plan that aligns with their priorities, empowering them to say no when necessary, and ultimately enabling a happy and sustainable 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 Jun 02, 2025
Monday Jun 02, 2025
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.
Monday May 26, 2025
Monday May 26, 2025
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.