In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions take a close look at your 401(k) options and how to maximize them for retirement success. They break down 2025 contribution limits—including catch-up provisions for those over 50—while comparing employer-sponsored 401(k)s with alternatives like IRAs, SEP IRAs, SIMPLE IRAs, and even ordinary taxable investment accounts. Jim and Casey share real-world stories from clients, highlight common mistakes, and provide practical strategies to help you build a retirement plan that truly works for you.Want to work with us? Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome01:02 Why 401(k)s Are a Cornerstone of Retirement Planning02:40 2025 Contribution Limits & Catch-Up Provisions05:10 Employer Matches: Don’t Leave Free Money Behind07:45 The Roth vs. Traditional Decision10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans14:55 Taxable Investment Accounts and Flexibility in Retirement18:22 Common Mistakes Pre-Retirees Make with Their Savings21:05 Real-World Stories from Client Experiences24:50 Putting It All Together: Building a Retirement Savings Strategy27:33 Closing Thoughts and Next Steps 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.