Retirement planning isn't just about growing your investments—it's about preparing for the unexpected.
In this episode of Your Money Matters, Michael Martinez, founder and president of The Pension Group, explains why a written financial plan is essential for navigating retirement with confidence. From income planning and Social Security strategies to healthcare, taxes, and legacy goals, Mike discusses the key components of a well-rounded retirement roadmap.
You'll also learn how unexpected life events—from job loss and family emergencies to supporting adult children—can impact your retirement plans and why protecting your own financial future should remain a priority. Mike explores opportunities for more active 401(k) and 403(b) management through in-service transfers, the growing challenges facing Social Security, and the long-term effects of inflation on retirement income.
In addition, he discusses long-term care planning, the advantages of hybrid life insurance policies, the often-overlooked costs of relocation, and why pension decisions can have lasting financial consequences. Discover practical strategies to help build a retirement plan that can adapt to life's curveballs while keeping your long-term goals on track.

An estimated $84 trillion is expected to change hands over the coming decades,
making estate and legacy planning more important than ever.
In this episode of Your Money Matters, Michael Martinez, founder and president of The Pension Group, discusses the opportunities and challenges surrounding the Great Wealth Transfer. From beneficiary designations and trust planning to tax-efficient wealth transfer strategies, Mike explains how families can prepare the next generation while avoiding common mistakes that can lead to unnecessary taxes, family conflict, or financial mismanagement.
Mike also explores the impact of the SECURE Act on inherited IRAs, the potential benefits of Roth conversions, and why retirement planning should go beyond investments to include income planning, Social Security, healthcare, tax strategies, and legacy goals.
In addition, you'll learn how active 401(k) management, risk mitigation, and open family communication can help create a more comprehensive retirement roadmap designed to protect both your financial future and the people you care about most.

No one can predict the future, but a well-designed retirement plan can help prepare you for the unexpected.

In this episode of Your Money Matters, Michael Martinez, founder and president of The Pension Group, explores some of the biggest uncertainties retirees face, including rising taxes, inflation, healthcare expenses, and long-term care needs. Mike explains how hybrid insurance policies can combine life insurance and long-term care benefits to help address multiple planning goals.

He also discusses the balance between enjoying your wealth, helping loved ones, and protecting your own financial future. Learn how thoughtful retirement planning can help you navigate life's uncertainties with greater confidence and flexibility.