Bailey Martin CLU, Financial Advisor

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Clarksville, TN
Bailey Martin CLU, Financial Advisor

Bailey has over 26 years in the Financial Services Profession and joined the Jack Turner and Associates team in 2001.

Bailey Martin is a Financial Advisor at Jack Turner and Associates. He specializes in helping individuals, families and business owners with their protection, wealth management and retirement income needs. SERVICES:

-Personal Financial Planning
-Life Insurance Planning
-Retirement Planning
-Retirement Income Strategies
-Investment Services
-Disability Insurance
-Long Term Care
-Employee Benefits

-Qualified and Non-Qualified Retirement Plans
-Business Continuation Planning

As the go-to advisor for retirement planning, I work with individuals and couples who want more than a generic financial plan — they want a retirement strategy built to last. My focus is helping clients convert their assets into predictable, sustainable income that supports the retirement they envision. Whether it’s minimizing taxes, managing market risk, optimizing Social Security, or navigating healthcare and legacy planning, I bring clarity to complex decisions and structure plans designed to deliver peace of mind. With years of experience guiding high-net-worth clients, my mission is simple: to help you retire confidently, live comfortably, and never run out of money. When you’re ready to stop working for your money and want your money to start working for your lifestyle, let’s talk. Cetera Advisor Networks, LLC< Member FINRA/SIPC

06/03/2026

What if I told you investing $100k beats investing $300k? Well, it does…if you start early enough. Compound interest doesn’t care how much you contribute. It cares how long you wait.

05/27/2026

Weekly Market Update

Markets continue trending upward as investors respond to improving sentiment and easing volatility. Energy prices remain a key driver of inflation expectations, keeping global markets focused on geopolitical developments.

This week, attention turns to potential US–Iran peace discussions. While oil supply is unlikely to return to pre-war levels anytime soon, any progress toward an agreement could provide additional support for investor confidence and broader market stability.

Stay tuned for next week’s update.

05/26/2026

Part 3 of our Social Security Series: When should I file for Social Security?

If you’re still working, your strategy may look very different than someone who is fully retired. Once again, there’s no easy answer. It truly depends on your personal situation.

The break-even point often falls around age 81. In simple terms, if you wait until age 70 to file, you may need to live to around 81 for the higher benefit to outweigh filing earlier. But if someone waits until 70 and passes away at 75, they may have received less overall than if they had filed earlier.

The rules and filing strategies are very complex, which is why it’s important to work with an advisor who can help evaluate your options and create the best claiming strategy for you.

Please reach out with any questions!

05/22/2026

Part 2 of our Social Security series: understanding filing ages and how timing impacts your benefit.

Your Full Retirement Age is one of the most important Social Security ages to know — that’s the age where you can receive your full retirement benefit.

You can file as early as age 62 or delay as late as age 70. But here’s the key: there’s no advantage to waiting beyond 70 because your benefit no longer increases.

⭐️Filing at 62 = up to a permanent 30% reduction in benefits
⭐️Delaying beyond 62 increases your benefit each year
⭐️Delaying beyond Full Retirement Age increases benefits by about 8% annually
⭐️Filing at 70 could mean receiving 24% more than if you filed at 67

Another important rule: if you file before Full Retirement Age, you may be subject to the Social Security earnings test.

For 2026:
• You can earn up to about $24,000 before reductions apply
• Above that limit, Social Security reduces benefits by $1 for every $2 earned over the threshold
• In the year you reach Full Retirement Age, the limit increases significantly, and the reduction becomes $1 for every $3 over the limit

Understanding these rules can make a major difference in your retirement income strategy.

05/21/2026

Part 1 of our 3-part Social Security series: When should you file for Social Security? The answer is usually… it depends.

Before you can answer that question, you first have to understand how Social Security actually works. To qualify for benefits, you generally need 40 quarters of work — about 10 years of full-time employment.

Social Security has two phases:
1. Your working years, when you contribute into the system
2. Your retirement years, when you receive benefits

If you’re a W-2 employee, you pay 6.2% in Social Security tax each paycheck, and your employer matches it with another 6.2% — meaning 12.4% total is going into the system on your behalf.

If you’re self-employed or a 1099 worker, you’re responsible for the full 12.4% yourself through self-employment taxes.

For 2026, Social Security taxes only apply to the first $184,000 of income. Anything earned above that amount is not subject to Social Security tax.

Stay tuned for Part 2…

05/20/2026

On this week’s Weekly Market Update:

Markets rose on the back of strong economic data, while consumer inflation re-accelerated due to higher energy costs. Looking ahead, bond yields remain a key focus, with further increases likely to pressure equities in the short term.

Swipe to read the full newsletter, and stay tuned for next week’s update.

05/19/2026

Understanding Roth conversions is key to making smart retirement tax decisions.

In this reel, we break down:
• How pre-tax IRAs and 401(k)s can be converted to a Roth IRA
• Why Roth conversions are taxable events
• The benefit of tax-free withdrawals after age 59½
• The important 5-year rule for each conversion
• Potential penalties for early withdrawals on converted funds

Many people choose to convert gradually over time to help spread out the tax impact. Every situation is different, and understanding the rules can make a big difference in your retirement strategy.

Have questions about Roth conversions or retirement planning? Reach out, we’re here to help!

05/18/2026

We get asked all the time: “Should I invest in a Roth IRA?”

We love Roth IRAs, but it’s important to understand there are actually TWO types of Roth accounts. The most common is the contributory Roth IRA where you contribute after-tax dollars that grow tax-deferred and can later be withdrawn tax-free if rules are met.

One thing many people don’t realize: your contributions can be withdrawn tax-free and penalty-free in an emergency because they were already taxed.

Roth IRAs can be an incredible long-term planning tool when used correctly.

05/13/2026

Earnings are propelling the markets higher.

Strong corporate earnings helped the S&P 500 advance to new all-time highs this week. Meanwhile, the labor market added +115k jobs in April, surpassing expectations of +65k, while the unemployment rate remained unchanged.

As earnings season begins to wind down, markets are expected to shift focus toward upcoming inflation data and the impact of higher energy prices on the cost of goods and services.

Swipe to read the full newsletter!
Stay tuned for next week’s market update.

05/10/2026

Mom taught me that “waste not, want not.”
That grocery lists actually matter. That rainy day jars aren’t just for spare change, but a quiet kind of preparation for life’s “what ifs.”

Whether she balanced a checkbook down to the penny or found creative ways to stretch a budget without sacrificing care, many of us carry her financial wisdom with us more than we realize.

This Mother’s Day, we’re reflecting on the money lessons that shaped us.

What’s a financial habit or lesson your mom shared that still sticks with you? Drop it in the comments, I’d love to hear what stayed with you.

Address

201 Main Street
Clarksville, TN
37040

Website

http://www.jackturner.com/

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