Martinsen Wealth

Martinsen Wealth Comprehensive Retirement Planning and Wealth Management Registration as an investment adviser does not imply a certain level of skill or training.

Martinsen Wealth Management, LLC (“Martinsen Wealth”) is a federally registered investment adviser under the Investment Advisers Act of 1940. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov and searching for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice.

06/15/2026

A common mistake?

“Let’s just defer taxes as long as possible.”

Sounds smart… but it’s not always.
With the right withdrawal strategy, you could save tens of thousands
even more over time.
It’s not just what you withdraw… it’s when.

06/12/2026

Thinking about retiring at 55? Here’s the part most people don’t realize…
Yes—you might be able to tap into your 401(k) early without that painful 10% penalty thanks to the IRS “Rule of 55.”
But there’s a catch: It only applies to the 401(k) from the job you leave at 55
- Old 401(k)s don’t qualify
- And you’ll still owe income taxes on withdrawals
Early retirement isn’t just about when… it’s about how you access your money 💡

Check out my youtube channel to learn retirement strategies that match your goals.

06/11/2026

Bezos used the example of a nurse earning $75,000 in Queens, New York, who pays over $12,000 in taxes annually. Bezos suggests that rather than further taxing workers, we should consider eliminating their taxes altogether, as they are already contributing significantly through payroll taxes like F**A. For the nurse, that’s about $5,700 paid by her employer and an additional $7,700 in her own income taxes. In fact, employers like Amazon, Walmart, and Target pay billions annually in payroll taxes for their employees, funds that sustain Social Security and Medicare. When companies hire, wages increase, and payroll tax revenue grows; when they cut jobs or automate, those revenues decline. What are your thoughts on how AI might impact your retirement plans?

For additional resources on retirement planning, check out The Financial Fast Lane on YouTube.

06/10/2026

The Widow’s Tax Penalty Explained (What Every Spouse Must Plan For) Our tax system in this country has an unfortunate penalty built into it, one that punishes people at one of the most difficult moments of their lives. It's called the Widow's Penalty, and if you and your spouse have not planned for it, you could be in for a very unpleasant surprise.

Let’s look at Bob and Linda’s financial situation:Both plan to retire today with an annual spending goal of $73,000. How...
06/08/2026

Let’s look at Bob and Linda’s financial situation:

Both plan to retire today with an annual spending goal of $73,000. However, the big question remains: can they retire comfortably without running out of money? Initial calculations show a 73% probability of success based on their current plan. This means there’s a significant risk they could outlive their savings.

- Understanding Longevity and Inflation:
Bob may live to 93, Linda to 95. Inflation could raise their $73,000 need to $128,000 in 20 years (2.5% rate).

- Managing Sequence of Returns Risk:
Market timing affects retirement funds. Strategies are needed to manage downturns.

- Tax Implications and Planning:
Bob's IRA is pre-tax. A Roth conversion strategy increased their success probability to 93%, saving $169,366 in taxes.

- Healthcare & Social Security:
Retiring at 62 requires healthcare planning until Medicare. Delaying Social Security by a year could add $600,000 over retirement.

By analyzing their financial situation, understanding the implications of longevity, inflation, and market timing, and implementing a proactive tax strategy, they can retire with confidence. Proper planning can significantly enhance their financial security, allowing them to enjoy their retirement years without undue stress.

Want to dive deeper into retirement planning? Watch the full conversation on my YouTube channel. Link in bio

06/05/2026

Many retirees worry about job security and economic stability, but what does AI really mean for the job market and your income? According to Jeff Bezos, AI won't eliminate jobs but will elevate the roles of workers across industries. What do you think?

Check out my YouTube channel in my bio to watch the full video!

06/02/2026

Many retirees believe that once they stop working, taxes become simple. But this assumption could cost you thousands!

06/01/2026

Discover the bests and worst states for retirement based on taxation. Learn how to maximize your retirement savings the enjoy a comfortable lifestyle.
- As you approach retirement, have you ever wondered how state taxes could impact your hard-earned savings? This post delves into the bests and worst states for retirement, focusing on tax implications that could make or break your financial future. By understanding these factors, you can make informed decisions about where to settle down during your golden years.
- The impact of state taxes on retirement
- When planning for retirement, it's crucial to consider how state taxes affect your overall financial situation. Different states have varying tax rates that can significantly impact your retirement income. This analysis evaluates states based on six key components: retirement income tax, property taxes, estate and inheritance taxes, sales tax, cost of living and healthcare access.

05/29/2026

Struggling to save for retirement in your 50s or 60s? You’re not alone. Here’s what you can do to catch up!

💡 Tag someone who needs to hear this!

1. **It’s Never Too Late**: Many realize they haven't saved enough, but don’t be hard on yourself. Life happens!

2. **Know Your Numbers**: Understand your income and expenses. A budget isn’t just a restriction; it’s your roadmap to financial freedom.

3. **Get Creative**: Think outside the box to reduce expenses and increase income.
For example, consider renting out a room or finding a live-in care situation like I did!

4. **Work Longer**: The retirement age is shifting. Find joy in your work and consider a side hustle.

5. **Keep Learning**: Knowledge is power. Read books that inspire and inform your financial decisions.

These steps can transform your retirement outlook. Remember, you’re capable of achieving more than you think!

For more tips, check out the link in my bio!

05/28/2026

Work Longer and Delay Social Security
Working longer can enhance your retirement savings significantly:
- Consider Retirement Age: Many are now working into their 70s, either out of necessity or choice.
- Delay Social Security Benefits: Delaying your benefits can increase your monthly payout.

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7855 S River Pkwy, Ste 206
Tempe, AZ
85284

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