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 with a deep dive into stocks and equities — how they work, why they matter, and the role they play before and during retirement.
Sam and Linwood explain why equities are essential for long-term growth, how volatility should be viewed through a retirement lens, and why avoiding stocks altogether can create just as much risk as owning too much. They discuss diversification, time horizon, sequence-of-returns risk, and how equities fit into a sustainable income strategy.
This episode helps listeners understand how to use stocks intentionally — not emotionally — as part of a balanced retirement plan designed to support both growth and longevity.
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Episode Breakdown
00:00 – Introduction: Why stocks deserve a place in retirement
01:52 – What we mean by “stocks” and “equities”
03:40 – Why equities drive long-term portfolio growth
05:36 – Common fears retirees have about stocks
07:24 – Volatility vs. permanent loss of capital
09:18 – Time horizon and sequence-of-returns risk
11:22 – How diversification works within equities
13:18 – Stocks before vs. after retirement
15:16 – Growth vs. income investing in equities
17:20 – The danger of being too conservative
19:18 – How equities support retirement income longevity
21:22 – Common mistakes retirees make with stocks
23:26 – Building an intentional equity allocation
25:18 – How equities fit with other asset classes
27:18 – Key takeaways from the equities discussion
29:00 – 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.
