In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions explain how to coordinate your retirement savings across multiple accounts and strategies. They walk through how different vehicles—like 401(k)s, IRAs, Roth accounts, and taxable brokerage accounts—work together to create a balanced retirement plan. Sam and Linwood also discuss contribution limits, tax advantages, and how to avoid common pitfalls such as overlapping investments or leaving money on the table with employer matches.
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00:00 Introduction to Coordinating Retirement Savings
00:48 Meet the Hosts: Sam Benson & Linwood Fraher
01:45 Why Coordination Matters in Retirement Planning
03:22 The Role of 401(k)s and Employer Matches
06:15 Roth vs. Traditional IRAs in a Coordinated Plan
09:20 Using Taxable Accounts for Flexibility
11:47 Avoiding Overlap and Redundancy in Investments
14:55 Sequencing Withdrawals for Tax Efficiency
18:32 Common Mistakes People Make with Multiple Accounts
20:40 Pulling It All Together: Creating a Unified Strategy
23:12 Final Thoughts and Next Steps
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.
