In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down some of the most common — and costly — mistakes people make leading up to and during retirement.

From emotional investing and improper risk management to underestimating taxes, Social Security timing, and overspending early in retirement, Jim and Casey explain why these issues show up so often… and what you can do to stay clear of them.

They share real-world client experiences, discuss the habits that lead to long-term success, and offer practical steps to help retirees and pre-retirees avoid unnecessary stress, poor decisions, and financial regret.

http://retirewithmartin.com/ ← Learn about working with us

00:00 – Introduction: Why retirement mistakes happen

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions talk through one of the biggest emotional challenges retirees face: staying calm during market volatility.

Jim and Casey unpack why markets feel so unpredictable, the psychological traps investors often fall into, and the practical steps you can take to keep your financial plan on track when headlines turn scary. They also share real client experiences, lessons learned from previous downturns, and the mindset shifts that help long-term investors stay confident rather than reactive.

Whether you're retired or nearing retirement, this episode provides clarity and reassurance for navigating uncertain times with a steady hand.

http://retirewithmartin.com/ ← Learn about working with us

00:00 – Introduction: Why markets feel more “nervous” lately

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions walk through a practical, easy-to-follow year-end financial checklist to help you finish the year strong and set up a successful year ahead.

Jim and Casey cover ten items every household should review before December 31st — They explain why each step matters, what most people overlook, and how small adjustments now can make a big impact on your long-term retirement plan.

Whether you’re nearing retirement or still building toward it, this is a simple and actionable guide to making sure your financial life is aligned and prepared for the coming year.

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00:00 – Introduction: Why year-end planning matters

01:34 – What to review before December 31

03:18 – Checklist Item #1: Review your tax situation

04:24 – Checklist Item #2: Take your RMDs

05:06 – Checklist Item #3: Maximize retirement contributions

05:56 – Checklist Item #4: Harvest gains & losses wisely

07:20 – Checklist Item #5: Give strategically 

08:15 – Checklist Item #6: Review your portfolio & rebalance

09:05 – Checklist Item #7: Check beneficiaries & estate documents

10:10 – Checklist Item #8: Review your insurance coverage

10:45 – Checklist Item #9: Review long-term care insurance

11:05 – Checklist Item #10: Set next year's financial goals

13:10 – Q&A with Casey

15:25 – Final thoughts & takeaways

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive deep into one of the most important — and often misunderstood — parts of retirement planning: long-term care.

They break down what long-term care really means, how it fits into a retirement plan, and the pros and cons of having insurance versus self-funding. Jim and Casey explore the emotional and financial impact of care decisions, discuss the difference between traditional and hybrid policies, and share real-life examples from clients who’ve faced these challenges firsthand.

Whether you’re in your 50s, nearing retirement, or already retired, this episode offers practical insight into protecting your assets and your loved ones while maintaining peace of mind.

http://retirewithmartin.com/ ← Learn about working with us

00:00 – Introduction: Why long-term care planning matters

Disclosure

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions explore whether owning rental properties is a smart move during retirement.

They discuss the pros — such as steady income, appreciation, and diversification — along with the cons that retirees often overlook, including taxes, maintenance headaches, liquidity issues, and tenant risk. Jim and Casey share real-life stories from clients who’ve both succeeded and struggled with investment properties, and they examine alternatives like REITs and other passive income options that offer exposure to real estate without the stress of being a landlord.

If you’ve ever wondered whether real estate belongs in your retirement plan, this conversation offers a balanced look at the opportunities and pitfalls — so you can make decisions that align with your goals, not just the headlines.

http://retirewithmartin.com/ ← Learn about working with us

00:00 – Introduction: Is real estate the right move in retirement?

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle one of the most common retirement questions — “Do I really need $1.5 million to retire comfortably?”

Jim and Casey break down where that number comes from, why it’s often misunderstood, and what truly determines how much you need. They discuss the key variables that shape your retirement number — lifestyle, spending habits, healthcare, taxes, and longevity — and explain how income planning can often matter more than your total account balance.

Whether you’re just starting to save or approaching the finish line, this episode helps you replace the guesswork with a plan that fits your real life — not a headline.

👉 http://retirewithmartin.com/ ← Learn about working with us

Timestamps:

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisor and retirement planner Casey Bibb of Martin Wealth Solutions is joined by special guest Theresa Martin to discuss one of the most underestimated parts of retirement planning — healthcare costs.

Together, they unpack what retirees often overlook when it comes to planning for rising medical expenses. Casey and Theresa dive into the differences between Medicare Parts A, B, C, and D, the gaps that can catch retirees off guard, and how to prepare for both routine and unexpected healthcare needs. They also explore long-term care options, the benefits of HSAs, and how proactive planning can help protect your nest egg from medical surprises.

If you’ve ever wondered how much to budget for healthcare in retirement — or how to make sure your plan covers more than just the basics — this conversation offers practical insight and clarity.

👉 http://retirewithmartin.com/ ← Learn about working with us

Timestamps:

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle the question that keeps many investors up at night — “What if ....?”

They unpack the “what ifs” that often cloud retirement planning — market volatility, inflation, healthcare costs, and unexpected life changes. Jim and Casey share how proper planning can turn uncertainty into confidence through diversification, income planning, and risk management. They also discuss how retirees can prepare emotionally and financially for market fluctuations, and why the right strategy matters more than trying to time the market.

This conversation offers a calm, rational look at how to protect your retirement plan when the future feels uncertain.

👉 http://retirewithmartin.com/ ← Learn about working with us

Timestamps:

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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive into one of the biggest lifestyle and financial questions facing retirees — when and how to downsize.

They explore the emotional and financial sides of moving to a smaller home, freeing up cash flow, and simplifying life in retirement. Jim and Casey walk through key considerations such as market timing, tax implications, and the impact of housing costs on your long-term plan. They also share real client stories of those who downsized successfully (and those who wish they’d done it sooner), along with practical guidance on how to decide whether now’s the right time to make the move.

Whether you’re thinking about selling your family home, relocating to a lower-cost area, or exploring retirement communities, this episode will help you make an informed decision that supports both your heart and your balance sheet.

👉 http://retirewithmartin.com/

Timestamps:

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.

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

00:00 – Introduction: The other side of the Roth story

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.