Shows
Retire EarlyInvesting Smarter as Retirement Gets CloserIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions tackle one of the most common pre-retirement questions: “Should I still own stocks, or is it time to diversify?” Through real-life client stories and practical analysis, Sam and Linwood break down the importance of time horizon, risk tolerance, and the peace-of-mind factor that comes with a well-diversified portfolio. Whether you’re 5 years out from retirement or already transitioning into the spend-down phase, this episode will help you rethink your allocation—and build a strategy that lasts.
...2025-07-2917 minRetire EarlyThe FIRE Movement: Is this your ticket to an early retirement?In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions discuss the rapidly growing FIRE movement—Financial Independence, Retire Early. They delve into the principles of FIRE, including saving aggressively, living frugally, and planning effectively for early retirement. The hosts outline the different types of FIRE—lean, fat, barista, and coast fire—and emphasize the importance of financial literacy and personalized planning.
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Visit: http://retirewithmartin.com/
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00:00 Introduction to FIRE Mo...2025-07-2224 minRetire EarlyHealthcare Hacks for Early Retirees: What You Need to KnowIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions discuss the crucial topic of managing healthcare costs for early retirees before Medicare eligibility at age 65. They dive into various healthcare coverage options such as COBRA, ACA Marketplace, Christian Health Sharing plans, and part-time work benefits. They emphasize the importance of planning for medical expenses, understanding potential pitfalls, and consulting with a financial planner to ensure a smooth transition into early retirement.
Want to work with us?
Visit: http://retirewithmartin.com/
...2025-07-1522 minRetire EarlyUtilizing a side gig to Retire Earlier than you thought possibleIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions explore how side gigs can play a strategic role in your retirement journey. Whether you're looking to retire early or add more flexibility to your finances, Sam and Linwood discuss how part-time work, freelancing, or passion projects can reduce portfolio withdrawals, delay Social Security, and keep you mentally engaged. They also highlight real-world examples and provide practical tips for making a side gig both purposeful and profitable in retirement.
Want to work with...2025-07-0824 minRetire EarlyRetirement Abroad: Planning for Life as an ExpatIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions discuss the growing interest among Americans in retiring abroad. They cover key considerations including understanding tax obligations, evaluating the cost of living, ensuring access to healthcare, and planning for financial management in a foreign country. The podcast underscores the importance of thorough research, understanding residency and visa requirements, and building a plan that aligns with one's purpose and lifestyle goals abroad.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn...2025-07-0120 minRetire EarlyRunning Out of Money: A Real Risk for Retiring EarlyIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions tackle some of the most frequently asked retirement questions from clients and listeners. From how much you can safely withdraw from your accounts, to planning for inflation and Social Security’s uncertain future, Sam and Linwood provide actionable insights and clear explanations. They also share the importance of building a written financial plan—and how it can take the stress out of retirement planning. This wide-ranging Q&A is packed with real stories, practical advice, and even a la...2025-06-2425 minRetire EarlyFrom Savings to Paycheck: Creating Income in RetirementIn this episode financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions explain how retirees and pre‑retirees can boost their income in retirement through smart planning. They walk through realistic strategies—ranging from asset allocation and withdrawal sequencing to tax‑efficient distributions and income‑generating investments—that help ensure clients stretch their savings and optimize cash flow.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Introduction & Overview
00:45 Meet the Hosts
02:15 Retirement Income Challenges
04:00 Asset Allocation for Income
07:20 Withdrawal Sequencing Tips
10:35 Tax‑E...2025-06-1718 minRetire EarlyRetirement Planning: Tax Tips to Boost Your WealthIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher discuss how taxes can impact your retirement plans and share strategies to minimize tax burdens. They explain the differences between ordinary income tax and capital gains tax, the benefits of tax loss harvesting, and the advantages of working with a tax professional. Additionally, they explore the significance of Roth contributions, itemizing deductions, and understanding your marginal and effective tax rates. The episode also covers tactics such as qualifying charitable distributions and deferred compensation plans to optimize tax efficiency during retirement.
2025-06-1022 minRetire EarlyStarting Late? How to Still Retire EarlyIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher address a critical concern: is it too late to start saving for retirement if you're behind? They discuss practical strategies for those who haven't started saving or have minimal savings by age 40 or 50. Key takeaways include setting clear retirement goals, utilizing employer 401k matches, investing in IRAs, and the importance of automating savings. They also emphasize working longer, saving more, and reducing debt to secure a comfortable retirement. The episode is filled with actionable advice to help late starters build a...2025-06-0317 minRetire EarlyWhat should you do with that old 401k?In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher discuss the important decisions to make regarding 401ks after leaving a job or retiring. They outline the four primary options: leaving it with the current employer, rolling it over to a new employer’s plan, rolling it into an IRA, and cashing it out. They highlight the pros and cons of each option and emphasize the importance of knowing the tax implications. The episode also touches on the growing issue of using credit for everyday expenses and the financial pitfalls it ca...2025-05-2731 minRetire EarlyDon’t Let Sudden Wealth Become a Sudden RegretIn this episode of the Retirement Early podcast, financial advisors and retirement planners Linwood Fraher and Sam Benson explore strategies for managing unexpected windfalls, such as lottery winnings, inheritances, or the sale of a business. They discuss the pitfalls and challenges that can come with sudden wealth, including increased requests for money from friends and family, lifestyle inflation, and potential financial mismanagement. The hosts emphasize the importance of seeking advice from financial professionals, including attorneys, tax advisors, and financial planners, to ensure the money is managed wisely and can contribute to a secure future. They also share real-life examples...2025-05-2032 minRetire EarlyAnnuities Explained - What You Should Know Before Signing UpIn this episode of the Retire Early Podcast, financial advisors and retirement planners Linwood Fraher and Sam Benson of Martin Wealth Solutions unpack the basics of annuities. They discuss the different types of annuities, including single premium immediate annuities, fixed annuities, fixed indexed annuities, and variable annuities, and highlight important considerations for each. Listeners will learn about the benefits, potential drawbacks, and key details to watch out for when investing in annuities. The episode aims to equip future retirees with the knowledge to make informed investment decisions, ensuring they choose the best annuity products for their financial plan and...2025-05-1336 minRetire EarlyThe Unspoken Truth About Long-Term CareIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher discuss the crucial topic of long-term care and adult daycare. They delve into various aspects of long-term care, including what it is, who needs it, and different ways to prepare for it financially. Key points include the costs associated with different types of long-term care, from in-home nursing to assisted living and memory care facilities, and how to financially plan for these expenses. They also explore the strategy of self-insuring versus purchasing long-term care insurance or utilizing Medicaid. The episode emphasizes...2025-05-0627 minRetire EarlyHow to choose the right investments for your portfolio!In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher discuss the fundamentals of building an investment portfolio. They explore the primary asset classes—cash, fixed income, equities, and alternatives—detailing their characteristics, risks, and benefits. The hosts emphasize the importance of understanding each asset class, diversification, and aligning investments with individual financial goals. They also touch on the topic of asset performance in volatile markets and the importance of consulting with a professional for tailored investment strategies.
http://retirewithmartin.com/ 2025-04-2931 minRetire EarlyDo I really need a financial advisor if I want to retire early?In this episode of the Retire Early Podcast, financial advisors Sam Benson and Linwood Fraher from Martin Wealth Solutions discuss the critical decision of whether to manage your investments yourself or hire a financial advisor. They explore the benefits and pitfalls of both approaches, the types of financial professionals available, and the importance of selecting a fiduciary. They also delve into the emotional and strategic aspects of financial planning, the essential questions to ask potential advisors, and the comprehensive services a good financial advisor should provide. Tune in to learn what can help you achieve your goal of retiring...2025-04-2231 minRetire EarlyWeathering Market Declines: Early Retirement StrategiesIn today's episode, financial advisors and retirement planners Sam Benson & Linwood Fraher discuss strategies for navigating market downturns. They emphasize the importance of staying calm and not reacting emotionally to market corrections, which are more common than many think. Highlighting the dangers of attempting to time the market, they recommend maintaining a diversified portfolio and seeking professional advice. Using historical examples, including the 2008 financial crisis and the 2020 Covid crash, they illustrate why long-term investing and not panicking can lead to better financial outcomes. Listeners are encouraged to prepare for market dips and work with a fiduciary financial professional to...2025-04-1525 minRetire EarlyRetire Early, Live Fully: Enjoying Retirement Beyond The Money
In this episode of the Retire Early Podcast, hosts discuss effective ways to maximize enjoyment during retirement with financial planner Sam Benson. They explore how to stay healthy, foster social connections, find a sense of purpose, and the importance of mental engagement. The discussion is guided by an article from Kiplinger on seven habits of a happy retirement, emphasizing exercise, social activities, mental challenges, optimism, gratitude, embracing technology, and the benefits of having pets. Personal anecdotes and practical advice are shared to help retirees lead fulfilling and joyful lives. The episode closes with important legal disclaimers and information about the...2025-04-0830 minRetire EarlySmall Purchases, Big Regrets: Building Wealth for Early RetirementJoin financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions in this episode of the Retire Early podcast as they delve into the real cost of daily habits, like buying a cup of coffee, on your long-term financial goals and retirement dreams. They explore concepts from David Bach's 'The Latte Factor,' discussing behavioral finance and the importance of mindful spending. Listen in for practical tips on saving money by adjusting day-to-day expenses and making smarter financial choices to ensure a prosperous retirement.
http://retirewithmartin.com/ 2025-04-0119 minRetire EarlyFrom Debt to Freedom: Your Path to Retiring EarlyIn this episode of the Retire Early Podcast, with financial advisors and retirement planners Linwood Fraher and Sam Benson of Martin Wealth Solutions, they'll discuss the essential role of debt management in retirement planning. They explore common debt types like credit cards, auto loans, student loans, and mortgages, and share strategies. The conversation also covers the emotional challenges of debt repayment and whether or not paying off a mortgage before retirement is advisable. They conclude with personal recommendations on what they've been reading and watching recently.
http://retirewithmartin.com/ 2025-03-2520 minRetire EarlyBeyond the Money: How to find purpose in retirementIn this episode of the Retire Early Podcast, hosts Sam Benson and Linwood Frayer discuss the non-financial aspects of preparing for an early and fulfilling retirement. They highlight the importance of planning how to spend your time, maintaining social interactions, and staying physically active to avoid health decline. Key topics include finding productive hobbies, ensuring social engagements, and health strategies for a vibrant retirement lifestyle. The episode also features personal anecdotes and tips on maintaining a grilling setup.
http://retirewithmartin.com/ 2025-03-2516 minRetire EarlyWant to retire early? Follow these steps. 2025-03-1820 min