In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions continue their asset class series by taking a deep dive into fixed income — what it is, how it works, and why it plays such a critical role in retirement planning.
Sam and Linwood explain the different types of fixed income investments, how they generate income, and why they behave differently from stocks. They discuss interest rate risk, credit risk, and how fixed income can be used to provide stability, income, and flexibility — especially as you move closer to retirement.
This episode helps listeners understand how fixed income fits into a broader retirement strategy and why using it intentionally matters more than simply “playing it safe.”
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Episode Breakdown
00:00 – Introduction: Why fixed income matters in retirement
01:48 – What fixed income actually means
03:26 – Common types of fixed income investments
05:18 – How fixed income generates income
07:02 – Fixed income vs. stocks: key differences
08:58 – Interest rate risk and bond pricing
11:06 – Credit risk and quality considerations
13:04 – The role of fixed income in reducing volatility
15:02 – Fixed income and retirement income planning
17:04 – When fixed income can help — and when it can hurt
19:08 – Common mistakes retirees make with fixed income
21:16 – How much fixed income is appropriate?
23:18 – Building a balanced, intentional strategy
27:20 – Final thoughts and closing
Disclaimer
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.
