Let's have a chat with fellow retirement planner, Devin Carroll, from Carol Advisory Group,

in this, the 90th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs,

employer retirement plans, taxes, social security, Medicare, portfolio

withdrawal strategies, annuities, estate planning, and much more. And now here's your host, Andy Panko.

Hello, everybody. Thank you as always for listening. Today we have another fellow retirement

planner chat.

Today will be no other than my buddy, my friend, Devin Carroll from Texarkana, Texas,

owner and founder of Carroll Advisory Group.

So Devin's been in the business a while, 20 plus years, I believe he said,

and has been through different firms, different structures. He started off in pure sales and eventually morphed and developed and got to where he is now

with his own firm that is a advisory charges a flat fee now.

He was percent of assets and recently changed to flat fee, which was very interesting,

very, very good to see.

So change is definitely happening within the industry.

Devin's firm is case in point.

So Devin and I, I met him a handful of years ago by finding he's got an amazing YouTube

channel with 400 and something thousand subscribers, uh, mostly about social security,

but he's got other stuff on there as well.

He's a great advisor, but social security is really where he stands out.

And that's kind of his wheelhouse.

And so I was looking for some kind of oddball social security issue or question I had,

...