Shows
Smart Wealth and RetirementStrategies for Steady Income After You RetireIn 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.
2025-07-2122 minSmart Wealth and RetirementHow Working with a Fiduciary Can Save Your RetirementIn 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.
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00:00 Introduction and Episode Overview
00:43 Understanding Fiduciaries
02:03 Case Study: Susie's Annuity
03:20 The Impo...2025-07-1416 minSmart Wealth and Retirement5 Investments Every Retiree Should Know AboutIn 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.2025-07-0722 minSmart Wealth and RetirementThe Simple Steps to Becoming a MillionaireIn 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.
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Visit: http://retirewithmartin.com/2025-06-3020 minSmart Wealth and RetirementRetire Smart: The First-Year Retirement ChecklistIn 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 w...2025-06-2325 minSmart Wealth and RetirementHow Much Should Be in Your 401(k) by Age? Let’s CompareIn 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.
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Learn more: www.planwellretirehappy.co...2025-06-1621 minSmart Wealth and RetirementNo: The Secret Weapon in Smart Retirement PlanningThis 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/ 2025-06-0921 min
Make Retirement GreatThe Power of Your No in Retirement Planning StabilityIn this episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the importance of setting boundaries and the power of saying no to protect your time, energy, and finances during retirement. We'll highlight key areas where you might need to say no, such as helping adult children beyond your means, avoiding high-risk investments, and overcommitting your time. We'll also emphasize how a well-structured financial plan can empower you to make better decisions and stick to your core values. Join us as we share practical advice on maintaining financial stability and ensuring a happy retirement.
2025-06-0921 minSmart Wealth and RetirementMastering RMDs: Smart Strategies for Your Retirement Nest EggIn 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/ 2025-06-0221 minSmart Wealth and RetirementAre You Ready to Retire? Answer These 3 Questions FirstIn 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...2025-05-2618 minSmart Wealth and RetirementYour Top Retirement Questions AnsweredIn 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/ 2025-05-1921 minSmart Wealth and RetirementUnderstanding the Four Key Stages of RetirementIn 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.
2025-05-1231 minSmart Wealth and Retirement5 Retirement Planning Pitfalls to AvoidIn 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/ 2025-05-0531 minSmart Wealth and RetirementChoosing the Best Financial Advisor: Secrets to SuccessThis 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...2025-04-2827 minSmart Wealth and RetirementWhere to Retire? Does it make sense to relocate in retirement?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/ 2025-04-2122 minMake Retirement GreatPlanning Your Retirement Move: Taxes, Healthcare, & CommunityIn today's episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the essential steps to prepare for relocating to another state in retirement. They cover key considerations including financial assessment, healthcare and insurance implications, legal and estate planning, and integrating into a new community. They emphasize the importance of understanding state taxes, real estate markets, cost of living, and social security implications. The duo also talks about practical tips like trying out living in the new state for a month and connecting with local social networks. Additionally, they touch on personal stories and the significance of researching...2025-04-1422 minSmart Wealth and RetirementTax Breaks for Retirees: How to Plan Like the WealthyIn 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.2025-04-0725 minMake Retirement GreatThe Tax Smart Retiree: Tips to Keep More of Your Money in RetirementIn today's episode, financial advisors and retirement planners Jim Martin & Casey Bibb explore how taxes can be a major expense in retirement and discuss strategies to potentially lower your tax bill. We cover tax pitfalls and methods used by wealthy individuals to pay less in taxes, including Roth conversions, tax-efficient withdrawal plans, Qualified Charitable Distributions (QCDs), and tax loss harvesting. Additionally, we delve into the importance of optimizing Social Security and Medicare timing. Jim and Casey emphasize the need for comprehensive financial planning and how utilizing tools like a tax calculator can help retirees plan better. Listener questions about h...2025-04-0725 minSmart Wealth and RetirementHow the Bucket Strategy Can Transform Your Retirement GameIn 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...2025-03-3128 minSmart Wealth and RetirementShould You Ever Use Your Roth IRA? (Hint: Yes!)Maximizing Your Roth IRA: When and How to Tap Into Your Retirement Treasure
In this episode, financial advisor Jim Martin and Casey from Martin Wealth Solutions tackle the myths and realities surrounding Roth IRAs. You'll learn the pros and cons of Roth IRAs, why the industry often recommends not touching these accounts, and when it might actually make sense to withdraw from them. The hosts provide insights into strategic Roth IRA distribution, addressing topics like avoiding higher tax brackets, Medicare costs, and Social Security impacts. Additionally, they explore using Roth IRAs for legacy planning and achieving financial independence. The episode...2025-03-2421 minSmart Wealth and RetirementRethinking Retirement: How a Hybrid Retirement Can Change Your FutureIn this episode, financial advisors Jim Martin and Casey Bibb from Martin Wealth Solutions discuss the emerging trends of mini retirements and hybrid retirements. They delve into the benefits and risks of these retirement strategies, such as preventing burnout and improving mental health, as well as the importance of strategic financial planning. The conversation also touches upon maintaining social connections and exploring passions. Additionally, the episode highlights the need for physical fitness at different ages and provides practical tips on staying healthy.
http://retiresmartscore.com 2025-03-1723 minMake Retirement GreatAvoid These FIVE Retirement Planning RegretsIn this episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the top five regrets of retirees and provide actionable steps to avoid them. Topics include the importance of saving enough, the implications of claiming Social Security early, the risks of retiring with too much debt, the consequences of retiring prematurely, and the significance of prioritizing health. The hosts also share insights from real-life cases, tips on financial planning, and personal stories to help listeners plan for a secure and enjoyable retirement. Special guest Casey Bibb shares his experience of overcoming the fear of flying. The episode...2025-03-1024 minSmart Wealth and RetirementTop 5 retirement regrets and how to avoid them.In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb explore the top five regrets retirees often face and provide actionable steps to avoid them. Hosts discuss the importance of saving enough, the risks of starting Social Security too early, the pitfalls of retiring with too much debt, the consequences of retiring too soon, and the necessity of prioritizing health. Real-life examples and practical advice are shared to help you plan for a better retirement. Plus, a fun conversation about flying for the first time and enjoying beignets from New Orleans!
http://retiresmartscore...2025-03-1025 minMake Retirement GreatWill Trump wreck YOUR retirement?In this episode, financial advisors Jim Martin & Casey Bibb discuss how a change in U.S. presidency, specifically under Donald Trump, could impact the stock market and retirement planning. They delve into topics such as the potential extension of the Trump tax cuts and its effects on retirees, the implications of deregulation, concerns about Social Security, the impact of tariffs and trade wars, and how to maintain focus on personal financial goals amidst political changes. The hosts highlight the importance of tax-efficient strategies, diversification, and maintaining a long-term perspective. Join the conversation for a thoughtful analysis on making informed...2025-03-0331 minSmart Wealth and RetirementHow could Trump impact your retirement plans?In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb discuss the potential impacts of President Trump's administration on retirement planning. They delve into topics such as tax policies, the social security tax, trade tariffs, deregulation, and the effects on the stock market and retirement accounts. The conversation includes insights on the economic landscape and practical advice for retirees to stay focused on long-term plans and tax strategies. The hosts emphasize the importance of maintaining a balanced perspective amidst political changes and media influence.
http://retiresmartscore.com 2025-03-0332 minMake Retirement GreatDon't Give In To Knee-Jerk InvestingIn this episode, financial advisors Jim Martin & Casey Bibb explore the concept of behavioral finance, focusing on how psychological factors like emotions, biases, and cognitive distortions impact our financial decisions. We discuss strategies to gain control over finances and ensure smart investment choices for retirement. Topics include diversifying investments, working with advisors, and overcoming biases such as loss aversion and confirmation bias. The conversation also covers practical tips like automating decisions, setting financial guardrails, and preparing for market volatility. Guest Casey Bibb shares personal anecdotes and emphasizes the importance of educational resources in making rational financial decisions.
2025-02-2427 minSmart Wealth and RetirementRetirement Emotions: Making smart decisions with your wealthIn this episode, financial advisors Jim Martin & Casey Bibb dive into the concept of behavioral finance and how emotions and cognitive biases shape our financial decisions. We discuss strategies to handle emotional triggers, automation of financial decisions, and the importance of a comprehensive retirement plan. Jim and Casey Bibb share practical tips to stay on track with your retirement goals, balance short-term desires with long-term planning, and avoid pitfalls like confirmation bias, fear of market downturns, and anchoring. The episode highlights the value of diversification, reassessing financial plans, and working with an advisor to navigate the complexities of investment...2025-02-2428 minSmart Wealth and RetirementWhat should I do with my old 401k?In this episode, financial advisors Jim Martin and co-host Casey Bibb discuss the various options available for managing an old 401k from a previous job. The options include leaving it in place, rolling it into a new employer's plan, cashing it out, or moving it to a self-directed IRA. They explore the pros and cons of each option and provide guidance on making the best decision based on individual circumstances. Additionally, they delve into the intricacies of Social Security survivor benefits and the financial implications of a spouse's death, emphasizing the importance of comprehensive financial planning for retirement.
2025-02-1724 minMake Retirement GreatFinancial Advisors Discuss: Top 5 Retirement Planning MistakesIn this episode, we discuss the top five retirement mistakes and how to avoid them, with expert insights from financial advisors Jim Martin & Casey Bibb. Topics include claiming Social Security too early, the importance of a withdrawal strategy, underestimating inflation and healthcare costs, balancing investment strategies, and planning for taxes in retirement. A personal story underscores the importance of comprehensive financial planning. The show also touches on current developments in AI technology and a fun discussion about getting a new Tesla.
http://retiresmartscore.com 2025-02-1027 minSmart Wealth and RetirementRetirement Pitfalls: The Top 5 Mistakes You Must Avoid!In this episode, financial advisors Jim Martin & Casey Bibb discuss the top five mistakes to avoid when planning for retirement and offer a bonus tip for creating a solid financial strategy. They emphasize the importance of delaying Social Security benefits for maximum returns, developing a comprehensive withdrawal plan, accounting for inflation and healthcare costs, and finding a balanced investment strategy. The discussion highlights the critical role of tax planning and the overall significance of having a detailed financial plan to ensure a secure retirement. Additional dialogues include personal anecdotes, the impact of AI on investments, and the Jim's decision...2025-02-1027 minMake Retirement GreatWhy You Should Emphasize Planning for a Secure RetirementIn this episode your hosts and financial planners Jim Martin & Casey Bibb dive into the importance of creating a financial plan for a secure retirement. They discuss common misconceptions about financial planning, the 3 key elements needed for a robust financial plan, and how such plans can provide peace of mind and permission to enjoy one's retirement funds. Additionally, the conversation shifts to the pros and cons of electric vehicles (EVs), covering practical considerations such as charging, cost implications, and suitability for different lifestyles. The hosts also share personal anecdotes and recommendations for TV shows and books. This episode is...2025-02-0333 minSmart Wealth and RetirementWhy you need a financial plan and how to build one for retirement!In this episode with financial advisors Jim Martin & Casey Bibb, we discuss the crucial aspects of financial planning, including the importance of having a financial plan for a successful retirement. We debunk common myths, such as mistaking investment statements for a financial plan, and highlight essential components like income, investment, and tax strategies. Hear from Casey Bibb on why planning alleviates fears of the unknown and provides financial security. We also dive into the debate around electric vehicles (EVs), weighing the pros and cons, such as charging logistics and the impact on power bills. And for some light-hearted moments...2025-02-0334 minMake Retirement GreatFinancial Advisors Discuss: Do You REALLY Need 1 Million to Retire?In this episode, financial advisors Jim Martin & Casey Bibb tackle the pervasive myth that you need a million dollars to retire comfortably. We discuss a USA Today article that lists the states where you supposedly need a million dollars to retire, and our special guest Casey Bibb shares insights on why this figure might not apply to everyone. We highlight how individual factors such as lifestyle, debt, and personal goals play a crucial role in retirement planning, making a one-size-fits-all number unrealistic. We also talk about the importance of having a custom financial plan, understanding your true income needs...2025-01-2727 minSmart Wealth and RetirementThe Million Dollar Question: Do I Need a $1M to Retire?In this episode, financial advisors Jim Martin & Casey Bibb dive into the common belief that you need a million dollars to retire. We review an article from USA Today about the 15 states where you supposedly need a million dollars to retire, but question whether this is truly accurate. Featuring guest Casey Bibb, we discuss how retirement needs vary widely depending on personal circumstances, spending habits, and lifestyle choices. We also explore the importance of financial planning, the potential pitfalls of blindly following retirement savings rules, and how to tailor your retirement strategy to your unique goals. Whether you're just...2025-01-2727 minSmart Wealth and RetirementTarget Date Funds: A Safe Bet or a Retirement Risk?In this episode, financial advisors Jim Martin and Casey Bibb discuss the intricacies of target date funds, commonly found in 401(k) plans. They explain how these funds automatically adjust asset allocation as you approach retirement and analyze the pros and cons of such investments. They emphasize the importance of understanding your risk tolerance and ensure your investments match your retirement goals. The show also covers practical tips for safeguarding your assets, including reviewing insurance coverage and considering natural disaster risks. Additionally, Jim and Casey explore the unconventional topic of 'sleep divorce' for better marital bliss.
00:00 Introduction t...2025-01-2026 minSmart Wealth and RetirementUnexpected Early Retirement - Are you prepared?In this podcast episode, financial advisors Jim Martin and Casey Bibb discuss the frequent occurrence of unexpected early retirements due to layoffs, health issues, and other factors. They share strategies on how to prepare financially for such events, emphasizing the importance of emergency funds, debt reduction, health planning, and having a robust financial plan. Additionally, they cover upcoming changes to Social Security in 2025, including a 2.5% Cost of Living Adjustment (COLA) and new income limits for early and full retirement age filers. The episode aims to help listeners plan more effectively for retirement and handle unexpected changes with confidence.
2025-01-1329 minSmart Wealth and RetirementThe Lurking Tax Time Bomb in Your Retirement PortfolioIn this episode, financial advisors Jim Martin and Casey Bibb discuss the potential tax time bomb lurking in your retirement portfolio, particularly within IRAs, as highlighted in Ed Slott's new book. They delve into the importance and strategies of proactive tax planning to avoid excessive taxes when taking required minimum distributions (RMDs). They also touch on the effects of current interest rates on retirees and the complexities surrounding these financial decisions. Additionally, the hosts highlight the importance of having a comprehensive tax strategy and the various levers retirees can pull, such as Roth conversions and charitable donations. Lastly, there's...2025-01-0626 minSmart Wealth and RetirementAddressing Long Term Care in your retirement plan.In this episode, financial advisors Jim Martin and Casey Bibb discuss the swift passage of 2024 and dive into important financial topics for the new year. They cover top New Year's resolutions, including reassessing retirement plans, maximizing tax strategies, building emergency funds, optimizing Social Security and Medicare decisions, and aligning investments with retirement goals. The conversation also delves into long-term care planning, examining the costs and different insurance options available. They also dive into their personal plans they're excited to work towards in 2025.
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http://retiresmartscore.com 2024-12-3032 minSmart Wealth and RetirementAre you planning to downsize your house? Think again!In this episode, Jim Martin, a financial advisor, explores the benefits and emotional challenges of downsizing and decluttering your life, particularly as you approach retirement. Highlighting a personal client story, Jim delves into why simplifying your living situation can be financially and emotionally beneficial, and provides practical tips for making the transition smoother. He discusses the historical trend of increasing house sizes, the financial and practical advantages of living in a smaller space, and the emotional difficulty of letting go of a longtime home and possessions. Jim also shares strategies for addressing emotional attachments and offers practical advice on...2024-12-2315 minSmart Wealth and RetirementIs this the future of healthcare?Exploring the Benefits of Direct Primary Care and Managing Retirement Finances
Hosts Jim Martin and Casey Bibb discuss the concept of Direct Primary Care (DPC) and its advantages over traditional healthcare models. They share personal experiences highlighting the system's efficiency and the significance of the doctor-patient relationship. The episode also delves into financial planning for retirees, emphasizing the dangers of credit card debt and strategies to maintain financial health. Additionally, listeners are treated to personal anecdotes and opinions on recent movies and comedy shows. The episode aims to educate Gen Xers on optimizing healthcare and financial strategies for a happier r...2024-12-1633 minSmart Wealth and RetirementAnimal Instincts vs. Financial Strategy: Who Wins?In this episode, Jim Martin and Casey Bibb dive into the concept of 'animal spirits' and their impact on investing emotions. They discuss the importance of maintaining a long-term perspective and managing emotional reactions to market events. Additionally, they touch on the growing trend of young adults living with their parents, explore the best places to retire, and give updates on current mortgage rates. The duo also shares insights on the future of streaming live events, specifically referencing a recent high-profile boxing match, and highlight the exciting news about a Betty White commemorative stamp.
https...2024-12-0923 minSmart Wealth and Retirement2024 Year End Financial ChecklistIn this episode, Jim Martin, financial advisor and founder of Martin Wealth Solutions, shares key financial tips for end-of-year planning. Reflecting on a recent trip to Iceland, Jim highlights the importance of preparation in both travel and financial planning. Key topics include maximizing retirement account contributions, updating emergency funds for inflation, ensuring required minimum distributions (RMDs) are taken, monitoring holiday spending, and setting personal and financial goals for 2025. Tune in for actionable advice to set yourself up for a prosperous new year.
http://taxgpa.com 2024-12-0215 minSmart Wealth and RetirementThe Pros and Cons of a Financial Freedom AccountIn this episode, Jim Martin, the founder of Martin Wealth Solutions and a financial advisor, delves into the concept of financial freedom and discusses various types of retirement accounts, including 401(k), 403(b), IRA, and Roth IRA, along with the idea of a 'Financial Freedom Account.' He emphasizes the importance of tax-efficient strategies and proper planning for achieving financial independence and making work optional. Jim outlines key steps such as fully funding Roth IRAs and taking advantage of 401(k) matches before considering other investment options. The episode also addresses common mistakes, such as over-saving in qualified accounts, and offers...2024-11-2515 minSmart Wealth and RetirementIs the 60/40 portfolio right for your retirement?In this episode, hosts and financial advisors Jim Martin & Casey Bibb discuss the relevance of the 60/40 portfolio strategy in today's changing financial landscape. They delve into the impact of interest rate changes, newly set IRS contribution limits for 2025, and the current economic conditions indicated by the recent job reports. They also offer practical advice on investment strategies for retirees, emphasizing the importance of taking calculated risks. The conversation includes a lighthearted discussion on McDonald's spicy chicken nuggets and recommendations for TV shows like 'Unreal' and 'Your Honor.' Tune in for insights on how to manage your retirement funds...2024-11-1821 minSmart Wealth and RetirementShould you use AI to replace your advisor?In this episode, financial advisor Jim Martin reminisces about his childhood memories of movies like 'The Terminator,' linking it to modern-day discussions on artificial intelligence (AI). Jim explores the potential impacts of AI on the financial services industry, particularly in wealth management and retirement planning. He discusses an interview with 'Horse's Mouth,' focusing on how AI can be leveraged by advisors for tasks such as automated portfolio rebalancing, risk management, and financial planning. Jim highlights both the benefits and drawbacks of AI, stressing the importance of human judgment and caution. He also touches on broader uses of...2024-11-1115 minSmart Wealth and RetirementAre you on-track for your retirement? Learn how you stack up against your peers.In this episode of the podcast, host Jim Martin is joined by all-star advisor Casey Bibb for a discussion on eye-opening and somewhat frightening statistics concerning retirement savings, recorded right before Halloween but released after. The conversation delves into how many workers have under $200,000 saved for retirement and the looming fears many might face. Casey and Jim explore reasons behind these trends, the importance of working with a financial advisor, and actionable strategies if you're behind on savings. They specifically address how these issues affect Gen Xers, Baby Boomers, and single women more acutely. Whether you find yourself anxious...2024-11-0429 minSmart Wealth and Retirement"Die Broke" - Is this the right financial planning philosophy for you?Join Jim Martin of Martin Wealth Solutions as he introduces the compelling 'Die Broke' financial philosophy, inspired by the book 'Die Broke: A Radical Four-Part Financial Plan' by Stephen Pollan and Mark Levine. This episode explores how to enjoy your retirement without sacrificing your lifestyle. Discover the key pillars of this approach: shifting your mindset about work, living within your means, and reconsidering the traditional idea of retirement. Learn how to focus on guaranteed income, long-term care, and managing inflation while strategically planning for a secure and pleasurable retirement. Tune in for practical tips, financial strategies, and avoid common...2024-10-2821 minSmart Wealth and RetirementThe Simplest Way to Build Wealth and Enjoy RetirementIn this episode, Jim Martin, a financial advisor and founder of Martin Wealth Solutions, shares key insights on creating wealth for retirement. While reflecting on a trip to ACE Lake with his son and friends, Jim delves into the most fundamental principles of wealth-building: spending less than you earn, automatic and consistent investing, and maintaining patience and discipline. He emphasizes understanding debt, distinguishing between necessary and high-risk debts. Jim's engaging narrative includes personal anecdotes and outlines steps for financial planning, geared especially towards retirement-aged Americans. Visit planwellretirehappy.com for more resources and advisory services tailored to your retirement needs.2024-10-2113 minSmart Wealth and RetirementMaximizing the Benefits of Health Savings Accounts (HSAs) in RetirementIn this episode, financial advisor Jim Martin explores the significance of Health Savings Accounts (HSAs) for retirement planning. He discusses the tax advantages HSAs offer, including tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. Jim outlines how HSAs can serve as a healthcare cost buffer in retirement and emphasizes the importance of investing HSA funds for long-term growth. He also compares HSAs with other retirement accounts like IRAs and 401(k)s and highlights common pitfalls to avoid when managing an HSA, such as not keeping receipts or investing funds. The episode encourages retirees to consider HSAs...2024-10-1413 minSmart Wealth and RetirementTop Three Financial Mistakes to Avoid for Retirement SuccessIn this episode, Jim Martin, founder of Martin Wealth Solutions, shares key insights from his recent conversations with clients about avoiding common pitfalls on the road to financial independence. He emphasizes the importance of overcoming procrastination, managing emotions when making financial decisions, and being cautious about whose advice you take. Jim also discusses practical strategies to maintain focus and highlights the value of seeking advice from reputable, fiduciary planners.
00:00 Introduction and Recent Travels
01:43 Avoiding Procrastination
08:01 Managing Emotions in Financial Decisions
13:46 Choosing the Right Financial Advisor
19:39 Conclusion and Final...2024-10-0720 minSmart Wealth and RetirementNavigating Life Insurance: Ensuring Financial Security for Your FamilyIn this episode, financial advisor Jim Martin shares essential insights on life insurance, its primary functions, costs, and the types suitable for different situations. He discusses income replacement, estate tax concerns, and fulfilling specific legacy goals, providing practical advice for selecting the right policy. Learn how life insurance can be leveraged for long-term care and the importance of understanding commissions. Perfect for retirees looking to secure their financial future and protect their families.
http://retiresmartscore.com 2024-09-3022 minSmart Wealth and RetirementWant to maintain your lifestyle in retirement? Start preparing now!In this episode, financial advisor Jim Martin from Martin Wealth Solutions dives deep into crafting the ideal retirement plan. Jim discusses the various lifestyle choices people envision for their retirement, ranging from globe-trotting adventures to modest, home-based routines. Learn how to prioritize your expenses and understand the phases of retirement - the go-go years, slow-go years, and no-go years - to ensure you have a solid financial plan in place. Jim also provides insights into budgeting, managing lifestyle creep, and how to prepare for a financially secure future. Whether you’re just starting to think about retirement or are ne...2024-09-2520 minSmart Wealth and Retirement5 Game-Changing Lessons for Retirement SuccessIn this episode, financial advisor Jim Martin shares valuable insights on essential life lessons for successful retirement planning. He discusses the importance of carefully selecting your financial advisor, investing based on your age, knowing your financial numbers, avoiding overconfidence, and always considering possible mistakes. Jim emphasizes the significance of long-term planning and the expertise required to navigate retirement successfully. Tune in to learn how to avoid common pitfalls and set yourself up for a secure financial future.
00:00 Introduction: Life's Hard Lessons
00:27 The Importance of Retirement Planning
01:34 Lesson 1: Be Careful Who You Tak...2024-09-1623 minSmart Wealth and RetirementShould you invest 100% of your money in stocks?Should You Invest 100% in Equities? Exploring the Risks and Benefits. In this episode, financial advisor Jim Martin from Martin Wealth Solutions delves into the debate of investing 100% in equities. He addresses common misconceptions, explains why this strategy may not be suitable for retirees, and discusses the importance of a diversified investment strategy. Jim highlights the risks associated with relying solely on the stock market for returns, especially during market downturns, and provides insights into creating a balanced portfolio tailored to individual risk tolerance and time horizons. The episode emphasizes the need for emergency funds and a thoughtful approach to retirement...2024-09-0920 minSmart Wealth and RetirementShould You Invest in Rental Properties for Retirement?In this episode of the podcast, financial advisor and founder of Martin Wealth Solutions, Jim Martin, dives into the world of real estate investments, specifically focusing on rental properties. He discusses the potential benefits such as steady income, appreciation, tax advantages, and diversification. However, he also highlights the challenges like initial investment costs, maintenance, management, market risk, and tenant and governmental issues. Jim draws on his experience and client conversations to provide a balanced view, helping listeners understand whether owning rental properties is the right decision for them. He emphasizes the importance of understanding all factors, including location, time...2024-09-0225 minSmart Wealth and RetirementOptimizing Your 401(k): A Guide to Smarter InvestingIn this episode, Jim Martin, a financial advisor and founder of Martin Wealth Solutions, explores the intricacies of 401k investing. He shares his journey from landing his first job to becoming a financial advisor and emphasizes the importance of planning for retirement early. This comprehensive guide covers crucial topics such as employer matches, the difference between traditional and Roth 401ks, investment strategies, the role of target date funds, and managing your portfolio to ensure diversification. Jim also touches on what to do with old 401ks and the benefits and risks associated with company stocks. Whether you're new to investing or...2024-08-2620 minSmart Wealth and RetirementCan you really save too much money for retirement?Can You Oversave for Retirement? Finding the Perfect Balance
In this episode, financial expert Jim Martin from Martin Wealth Solutions discusses the often-overlooked concept of 'oversaving' for retirement. He explores the potential pitfalls of saving too aggressively, such as sacrificing today’s joys for an uncertain tomorrow and the opportunity costs involved. Jim emphasizes the importance of balanced saving and spending, taking into account individual goals, life stages, and debt considerations. He also touches on the relevance of tax implications, estate planning, and professional financial advice in shaping a successful retirement strategy tailored specifically to your needs and lifestyle aspirations.
00:00 Intro...2024-08-1916 minSmart Wealth and RetirementSurviving Market Volatility: A Retiree’s Guide
Navigating Market Volatility: Mental Preparedness and Investment Strategies
In this episode, financial advisor Jim Martin from Martin Wealth Solutions discusses the nature of market volatility and how investors can mentally prepare and strategically respond to market downturns. This retirement planning episode is perfect if you are worried about the market
Drawing from personal anecdotes and professional experiences, he emphasizes the importance of maintaining a long-term perspective, understanding that market fluctuations are normal, and taking advantage of downturns through rebalancing, tax loss harvesting, and increasing contributions.
The episode aims to help listeners manage their emotions, adopt a resilient mindset, and make inf...2024-08-1215 minSmart Wealth and RetirementGetting your estate plan in order before you retire
In this episode, Jim Martin, a financial advisor and founder of Martin Wealth Solutions, discusses the importance of estate planning. He shares personal anecdotes, including a client's story of a poorly planned inheritance, and explains the differences between wills and trusts. Jim emphasizes the importance of consulting with an attorney and updating your estate plan regularly, especially after significant life changes. He also touches on topics such as minimizing taxes, protecting beneficiaries, and preparing necessary documents like advanced medical directives and powers of attorney.
http://retiresmartscore.com 2024-06-2525 minSmart Wealth and RetirementThe National Debt: What Retirees Need To KnowIn this episode, financial advisor Jim Martin discusses the ins and outs of the national debt and how it will potentially impact people's retirement plans
http://retiresmartscore.com 2024-05-2919 minSmart Wealth and RetirementMaximizing Your Retirement: The Ultimate 401(k) PodcastIn this episode, financial advisor Jim Martin covers everything you always wanted to ask but never did about your 401k. We'll discuss how to grow, protect, and enjoy your wealth on today's show.
http://retiresmartscore.com 2024-05-0925 minSmart Wealth and RetirementWhat to do when your net worth hits one million dollars plusIn this episode, financial advisor Jim Martin covers what to do after you are worth a million dollars. Growing your wealth to one million+ is a huge milestone but what do you do after? We'll discuss how to grow, protect, and enjoy your wealth on today's show.
http://retiresmartscore.com 2024-04-1217 minSmart Wealth and RetirementDo I really need a budget in retirement? Tips to make budgeting super simple!In this episode, financial advisor Jim Martin covers a simple process anyone in their 40s, 50s or 60s can follow to take control of their finances, supercharge their savings, and gain a sense of financial freedom.
http://retiresmartscore.com 2024-02-1218 minSmart Wealth and RetirementWhat do I do with my old 401k?In this episode, financial advisor Jim Martin discusses the various options available when dealing with an old 401k. He advises listeners who are unsure about what to do with their old 401k and want to make the right decision without making mistakes. Jim emphasizes the importance of understanding your goals and beginning with the end in mind when it comes to financial planning. He highlights the need to take into account your current financial situation, future goals, and the tax implications of different options.
http://retirewithmartin.com/ 2024-02-0518 minSmart Wealth and RetirementTaking Control of Your Financial Life: Strategies for Six Figure EarnersAre you a high income earner? In this episode of the Podcast, financial advisor Jim Martin shares valuable advice on how to take control of your financial life, even if you have a large income. Jim emphasizes the importance of understanding your financial situation, creating a budget, and tracking expenses. He also offers tips on building an emergency fund, paying off debt, setting financial goals, and starting to invest. Jim encourages listeners to make mindful financial decisions and seek professional guidance when needed. Whether you make $50,000 or $500,000 a year, this episode provides practical tips to improve your financial health. D...2024-01-2923 minSmart Wealth and RetirementGen X Prosperity Blueprint: Planning for your retirement in your 50sIn this episode host Jim Martin, a financial advisor and founder of Martin Wealth Solutions, explores the financial challenges faced by Generation X (Gen X) and offers strategies for achieving financial stability and freedom. Jim reflects on an article that highlighted the wealth gap and lack of financial support for Gen X, leading him to create this episode to share ideas and tips for financial success. He emphasizes the importance of taking an appraisal of one's net worth and understanding retirement goals. Jim encourages listeners to assess their assets and debts to determine their net worth. By subtracting debts f...2024-01-2125 minSmart Wealth and Retirement5 Steps to retire early!On this episode of our retirement podcast, Financial Advisor Jim Martin, discusses 5 steps you can take to retire earlier than you thought possible.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2024-01-1525 minSmart Wealth and RetirementBuilding a stress free retirement planOn this weeks retirement podcast, Financial Advisor Jim Martin, talks about common concerns and stresses retirees have and how to avoid them.
Or: www.planwellretirehappy.com
2023-06-0455 minSmart Wealth and RetirementSmart ways to create more income in retirementOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses cash flow and how to create more income in retirement.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-05-1555 minSmart Wealth and RetirementWays to reduce the risk of running out of money in retirement.On this weeks retirement podcast, Financial Advisor Jim Martin, discusses how people approaching retirement can build an income plan and help reduce the risk of running out of money in retirement.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-03-2755 minSmart Wealth and RetirementWhere should you stash your retirement cash?On this weeks retirement podcast, Financial Advisor Jim Martin, ways and places you can stash your retirement cash and savings.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-03-1355 minSmart Wealth and Retirement5 New Savings and Tax Rules you need to know!On this weeks retirement podcast, Financial Advisor Jim Martin, discusses 5 new savings and tax rules you need to know.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-02-2055 minSmart Wealth and RetirementTop mistakes people make when planning for retirement and how to avoid them.On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the retirement the top mistakes people are making when planning for retirement and how to avoid them.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-01-3055 minSmart Wealth and RetirementHow much do you need to save to retirement comfortably?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the retirement income planning and how to make sure you are saving enough to retire comfortably.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2023-01-1655 minSmart Wealth and RetirementThe retirement redzone: Making sure you are ready for retirementOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses the retirement redzone and what pre-retirees can do right now to make sure they are ready for retirement.
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Or: www.planwellretirehappy.com
2022-12-1955 minSmart Wealth and RetirementHow to retire by at least 65 and retire on your terms.On this weeks retirement podcast, Financial Advisor Jim Martin, retiring on your terms and by at least 65. Take control of your retirement today.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-12-1156 minSmart Wealth and RetirementStrategies to reduce your taxes in retirement.On this weeks retirement podcast, Financial Advisor Jim Martin, covers strategies to potentially lower your taxes in retirement.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-11-2855 minSmart Wealth and Retirement5 Important questions to ask about inflationOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses the ever changing landscape of retirement and how you can prepare your retirement. Inflation is at record high's. Are you planning ahead?
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-11-2155 minSmart Wealth and RetirementRetirement is changing for 2023. Are you ready?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the ever changing landscape of retirement and how you can prepare your retirement for 20203;
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-11-1454 minSmart Wealth and RetirementInvestment strategies to consider before and during retirementOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses the investment strategies to consider as you approach retirement.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-11-0755 minSmart Wealth and RetirementGet ready for a HUGE Social Security increase for 2023On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the social security increase set to take effect for 2023 and how it will effect retirees. Inflation is helping drive the increase and how to help navigate through up and down markets and retirement concerns.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-10-3156 minSmart Wealth and RetirementIs your 401k a tax time bomb?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the why your 401k might cause you more headaches in retirement than you had planned on.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-10-2455 minSmart Wealth and RetirementHow to retire on your terms, when you want!On this weeks retirement podcast, Financial Advisor Jim Martin, discussed retirement and how to retire on your terms, when you want.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-10-1756 minSmart Wealth and Retirement7 ways to fight inflation in your retirement planOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses 7 ways to fight inflation in your retirement plan. We also discuss how to prepare for rising taxes.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-10-1056 minSmart Wealth and RetirementThe Secure Act 2.0 - How will your retirement change?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the Secure Act 2.0 and how it might change your retirement forever.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-10-0354 minSmart Wealth and RetirementRetirement Radio: Questions to ask before you retireOn this weeks retirement podcast, Financial Advisor Jim Martin, talks about the big questions retirees are asking before they retire.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-09-1255 minSmart Wealth and RetirementIs it smart to prepay funeral expenses?On this weeks retirement podcast, Financial Advisor Jim Martin, talks about the pros and cons of prepaying funeral expenses and gives some insight into what might be the right decision for you.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-08-2929 minSmart Wealth and RetirementDoes a Roth Conversion make sense?On this weeks retirement podcast, Financial Advisor Jim Martin, talks about roth conversions and when investors should consider one.
Visit our website at: www.retirementanswerstoday.com or: www.planwellretirehappy.com
2022-08-2220 minSmart Wealth and RetirementDo you need gold in your investment portfolio?On this weeks retirement podcast, Financial Advisor Jim Martin, talks about holding gold in your IRA and investment portfolio.
Visit our website at: www.retirementanswerstoday.com or: www.planwellretirehappy.com
2022-08-1517 minSmart Wealth and RetirementWhy is the Fed raising interest rates and how will it impact my retirement plan?On this weeks retirement podcast, Financial Advisors Jim Martin and Sam Benson, discuss why the Federal Reserve is raising interest rates and what it means to your retirement plan. You can also view this on YourTube at the address below:
Watch on YouTube: https://youtu.be/kvzyUZbD9zU
Visit our website at: www.retirementanswerstoday.com or: www.planwellretirehappy.com
2022-08-0819 minSmart Wealth and RetirementTravel or Save for retirement? Why not both!On this weeks retirement podcast, Financial Advisor Jim Martin, discusses the age of question.. should I travel or save for retirement? Why not have your cake and eat it too.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-08-0120 minSmart Wealth and RetirementStarting over and saving for retirement after a divorce or being widowedOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses how to start over if you've been widowed or have went though a divorce or just need to get started in general.
Visit our website at: www.retirementanswerstoday.com
Or: www.planwellretirehappy.com
2022-07-2518 minSmart Wealth and RetirementI’m 62 and have saved $750,000 - Can I retire?On this weeks retirement podcast, Financial Advisors Jim Martin and Justin Swisher, discuss a hypothetical scenario on a 62 year old that has saved $750,000. The run a live financial plan to see if they can retire. You can also view this on YourTube at the address below:
Watch on YouTube: https://youtu.be/kvzyUZbD9zU
Visit our website at: www.retirementanswerstoday.com
2022-07-1830 minSmart Wealth and RetirementHow much money should I keep in cash?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses how much money investors and retirees should keep in cash and the importance of retirement planning.
Visit our website at: www.retirementanswerstoday.com
2022-07-1116 minSmart Wealth and RetirementHow to get started investing and saving for retirement.On this weeks retirement podcast, Financial Advisor's Jim Martin and Justin Swisher, discuss how to get started investing and saving for retirement. If you are a fan of Dave Ramsey you'll notice we cover many of his baby steps.
Visit our website at: www.retirementanswerstoday.com
2022-07-0420 minSmart Wealth and RetirementShould I Invest in Dividend Stocks?On this weeks retirement podcast, Financial Advisor Jim Martin, talks about dividend investing and if it might be right for you. Are they a good source of retirement income and how do they work.
Visit our website at: www.retirementanswerstoday.com
2022-06-2720 minSmart Wealth and RetirementAm I going to lose everything in the market?On this weeks retirement podcast, Financial Advisor's Jim Martin and Sam Benson, discuss how investors should react when the market declines and what steps they can take to stay on track and reach their goals.
Visit our website at: www.retirementanswerstoday.com
2022-06-2024 minSmart Wealth and RetirementRetirement Tax Saving Strategies for investorsOn this weeks retirement podcast, Financial Advisor Jim Martin, discusses what retirees, investors, and pre-retirees should do to get ready if / when taxes rise. If you have concerns about rising taxes, this retirement planning episode is for you.
Visit our website at: www.retirementanswerstoday.com
2022-06-1323 minSmart Wealth and RetirementShould I invest when the market is going down?On this weeks retirement podcast, Financial Advisor Jim Martin, discusses if investors should invest while the market is going down? Should investors roll over their 401k or wait for a better time? Visit our website at: www.retirementanswerstoday.com
2022-06-0610 minSmart Wealth and RetirementShould I take a lump sum or cash out pension benefit? [Episode 15]Is it a good idea to take a lump sum out to pay off a car or house?
If you took your money outside of your pension plan, could its growth do better?
On today’s episode of the Retirement Planning Podcast, Jim talks about cash out pensions, otherwise known as lump sum pensions. Pensions are thought to be a thing of the past, but they can be pretty great! Jim explains why companies offer cash out pensions, why they don’t, and he even divulges the top 5 things to consider before...2020-08-1719 min