In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions walk through a practical, easy-to-follow End-of-Year Financial Action Plan designed to help you finish strong and enter the new year with clarity and confidence. Sam and Linwood break down four essential steps — from reviewing spending and boosting retirement contributions to tax strategies, charitable giving, and setting next year’s financial goals. This episode provides a simple roadmap for anyone looking to strengthen their financial life before year-end. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why year-end planning matters01:26 – Overview of the year-end action plan The 4 Key Action Steps:02:30 – 1. Review your beneficiaries & estate plan 05:35 – 2. Budget - know where your money is going & set goals 10:00 – 3. Look at your savings rate & re-adjust to maximize13:14 – 4. Revisit your financial and personal goals from the past year  16:50 – Final thoughts and action items 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions walk listeners through the Smart Wealth Milestone System — a clear and practical framework designed to help you track your progress toward financial independence. They break down how this system simplifies the retirement journey into key stages — from building your financial foundation and maximizing savings to creating retirement income and planning your legacy. Sam and Linwood explain how understanding where you are today can help you confidently move toward where you want to be tomorrow. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: What is the Smart Wealth Milestone System?01:28 – Why having milestones matters in retirement planning02:26 – Milestone 1: Building your financial foundation03:34 – Milestone 2: Maximizing savings and reducing debt04:42 – Milestone 3: Investing with purpose and tax efficiency06:00 – Milestone 4: Structuring income for retirement07:16 – Milestone 5: Protecting assets and loved ones08:30 – Milestone 6: Creating lifetime income streams09:48 – Milestone 7: Leaving a lasting legacy11:06 – How to measure progress and stay on track 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions revisit one of the biggest benchmarks in retirement planning — the idea that you need $1 million to retire. They break down why the “million-dollar rule” isn’t a one-size-fits-all target, exploring how lifestyle, inflation, taxes, and healthcare costs can make that number very different for each person. Sam and Linwood discuss how income planning, withdrawal rates, and investment mix matter more than chasing an arbitrary total. The conversation brings clarity to what your real retirement number should look like — and how to build a plan that supports your goals, not someone else’s. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Rethinking the “$1 Million” goal02:14 – Where the million-dollar retirement idea came from04:03 – Why the number doesn’t work for everyone06:12 – Inflation, taxes, and spending — the real variables08:20 – How to calculate your personal retirement number10:18 – Income planning vs. total savings focus12:24 – Case examples: different lifestyles, different needs15:06 – How inflation impacts long-term purchasing power17:11 – Building flexibility into your retirement plan19:18 – Final thoughts and key takeaways 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions explain what happens when the Federal Reserve changes interest rates — and how those decisions can directly impact your retirement plans. They break down how rate hikes and cuts influence savings accounts, bonds, mortgages, and investment returns — and why retirees should think differently about risk when the Fed acts. Sam and Linwood discuss the connection between inflation, borrowing costs, and portfolio income, offering practical insight for maintaining balance and stability during changing economic conditions. http://retirewithmartin.com/ ← Learn about working with uswww.planwellretirehappy.com Timestamps 00:00 – Introduction: Why the Fed’s decisions matter00:44 – Meet Sam & Linwood01:22 – What the Federal Reserve actually does02:31 – How interest rate changes ripple through the economy04:08 – The impact on borrowing, saving, and investing06:02 – Why rising or falling rates matter to retirees08:10 – The emotional side of rate changes10:07 – How to adjust your portfolio for changing rates12:06 – Building flexibility into your retirement plan13:48 – Final thoughts and key takeaways 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions unpack what market volatility really is (and isn’t), why it feels different when you’re near or in retirement, and how to build a plan that can weather the ups and downs. They explain volatility vs. risk, sequence-of-returns risk, and practical portfolio frameworks like cash buffers and bucket strategies. You’ll also hear actionable ideas on diversification, rebalancing, and tax-aware moves you can consider—so you can stay invested with confidence and keep your retirement on track. retirewithmartin.com ← Learn about working with usplanwellretirehappy.com Timestamps00:00 Welcome & today’s topic: Why markets swing00:35 Meet the hosts & how volatility impacts retirees01:20 Volatility vs. risk — what’s the difference?02:40 Normal market pullbacks vs. real risk to your plan03:35 Sequence-of-returns risk explained (timing matters)05:00 Designing income around volatility: cash buffers & the bucket approach07:05 Diversification that actually diversifies (stocks, bonds, cash, alts)08:40 Rebalancing: a rules-based way to “buy low, sell high”09:50 Dollar-cost averaging & adding during downturns10:45 Guardrails & an Investment Policy Statement (IPS) you can stick to12:00 Behavioral traps: headlines, fear, and recency bias13:10 When to change allocation (and when not to)14:30 What to do in a 10–20% pullback: a simple checklist15:50 Tax-aware ideas in volatile markets (TLH, asset location)*17:00 Stress-testing the plan & measuring “sleep-at-night” risk18:10 Key takeaways & next steps19:10 Wrap-up & how to reach the team *We are not CPAs; consult your tax professional. DisclaimerOpinions 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher dive into one of the most common challenges they see among business owners approaching retirement — how to transition from business wealth to personal wealth. Many entrepreneurs spend decades reinvesting in their companies but overlook how that affects their long-term retirement plan. Sam and Linwood unpack what it means to diversify beyond your business, how to value and eventually sell a company, and why timing matters. They also discuss strategies for converting business equity into sustainable retirement income, planning for taxes on a sale, and building a post-exit lifestyle plan that aligns with your goals. From personal experience working with owners who waited too long to plan, the hosts explain the “trapped wealth” problem — when most of your net worth is tied up in a business you can’t easily liquidate. They also share practical tips for starting early, involving professional advisors, and creating a smooth handoff that maximizes value and minimizes regret. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Welcome and Today’s Topic01:10 Why Business Owners Face a Unique Retirement Dilemma03:22 When Your Business Is Your Retirement Plan05:40 The Problem With Waiting Too Long to Sell07:55 How to Start Valuing and Preparing Your Business for Exit11:12 Diversifying Beyond the Business: Saving and Investing Personally14:05 Tax Considerations and Timing the Sale17:44 Real-World Example: The Business Owner Who Waited Too Long20:28 Creating Income Streams Post-Exit23:05 Lifestyle Planning After Selling the Business25:50 Final Thoughts and Key Takeaways27:10 Conclusion and Contact Information 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions tackle three of the most common—and most misunderstood—questions they hear from listeners and clients: (1) Should you pay off the mortgage early or keep the low-rate loan and invest? (2) If you’re divorcing in your 40s or 50s, how do you regroup financially without letting emotions derail the plan? (3) Can life insurance double as a retirement savings tool—and when might that make sense? They break down the math vs. emotions on mortgages, outline a practical recovery checklist for divorce (beneficiaries, Social Security divorced-spousal rules, catch-up contributions, and estate docs), and deconstruct the pros/cons of overfunding permanent life insurance (liquidity trade-offs, costs, realistic expectations vs. rosy illustrations). As always, the right answer depends on your goals, time horizon, and cash-flow reality. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Welcome & why these three questions keep coming up02:00 Mortgage payoff vs. invest: math, arbitrage, and the emotional side06:10 Low mortgage rates & safe yields: when the calculation flips08:20 Retirement cash-flow strain test: dollars-and-cents first, then emotions10:05 Divorce in your 40s/50s: don’t make big money moves in a high-emotion window12:00 Immediate checklist: budget/plan, beneficiaries, wills/trusts/POAs updated13:45 Social Security after divorce: 10-year rule & divorced-spousal basics16:10 Don’t drag it out: the real cost of delaying decisions during divorce18:40 Life insurance as a retirement tool: what “overfunding permanent” really means21:10 Liquidity, fees, and illustration realism (inflation matters)23:20 When it might fit: high earners maxing tax-advantaged accounts & true coverage needs25:30 Fiduciary second-opinion mindset & closing thoughts 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.  

In this episode of the Retire Early podcast, financial advisors and retirement planners Linwood Fraher & Sam Benson dive into the ongoing debate of active vs. passive investing and how blending the two can create balance in a retirement portfolio. They explore the strengths and weaknesses of each approach, why relying solely on one strategy may expose retirees to unnecessary risks, and how diversification across styles can improve long-term outcomes. Linwood & Sam also share real-life client scenarios, discuss the importance of investor behavior, and emphasize the need for a strategy that aligns with both your goals and your comfort level. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to Today’s Topic00:43 Meet the Hosts01:27 Why This Debate Matters for Retirees03:05 Active Investing Explained05:12 Passive Investing Explained07:45 Pros and Cons of Active vs. Passive Strategies11:38 Case Study: Balancing Both Approaches15:21 The Role of Costs and Fees in Decision Making18:30 Investor Behavior: Avoiding Emotional Mistakes22:40 Why Blending Strategies Can Provide Stability27:19 Final Thoughts and Action 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.

In this episode of the Retire Early podcast, financial advisors and retirement planners Linwood Fraher & Sam Benson take a deep dive into annuities—what they are, how they work, and whether they make sense for your retirement plan. They explain the different types of annuities, their pros and cons, and how they can provide guaranteed income in retirement. Linwood and Sam also address common misconceptions about annuities, when they might fit into a retirement strategy, and when you may be better off with other investment options. This episode will help you cut through the noise and make an informed decision about whether an annuity belongs in your financial plan. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome00:47 What Is an Annuity?03:15 Types of Annuities Explained07:22 The Pros: Guaranteed Income and Peace of Mind10:54 The Cons: Fees, Complexity, and Restrictions14:38 When an Annuity May Be a Good Fit18:45 When to Consider Other Options22:10 Common Misconceptions About Annuities25:30 Final Thoughts and Advice27:05 Conclusion and Contact Information 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.

In this episode of the Retire Early podcast, financial advisors and retirement planners Linwood Fraher & Sam Benson share five actionable steps you can take today to move closer to the retirement you’ve always wanted. From maximizing your savings opportunities to paying off high-interest debt, they break down practical strategies that create long-term financial freedom. They also discuss the importance of tax-efficient planning, keeping emotions out of investment decisions, and having a written roadmap to guide your retirement journey. Whether you’re a few years away or just beginning to think about retirement, this episode will give you clear, simple steps to start building confidence right now. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome00:36 Why Taking Action Now Matters02:12 Step 1: Increase Savings & Capture Employer Matches06:05 Step 2: Eliminate High-Interest Debt09:48 Step 3: Build Tax-Smart Investment Strategies14:22 Step 4: Create a Written Retirement Roadmap18:17 Step 5: Avoid Emotional Investing & Stay the Course23:40 Final Thoughts and Encouragement25:05 Conclusion and Contact Information 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions break down the five estate planning basics every retiree should have in place. They explain why these core documents aren’t just for the wealthy — but for anyone who wants peace of mind, control, and protection for their family. From wills and trusts to powers of attorney, Sam and Linwood walk through the essentials that help retirees avoid costly mistakes and ensure their wishes are carried out. You’ll learn how each piece fits into your retirement plan and why updating these documents regularly is just as important as creating them in the first place. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to Today’s Topic00:43 Why Estate Planning Matters for Retirees02:11 Will Basics: Distribution & Guardianship Decisions05:08 Trusts: Avoiding Probate and Retaining Control08:42 Healthcare Directives and Living Wills11:56 Powers of Attorney (Financial & Medical)15:12 Beneficiary Designations: Retirement Accounts & Insurance18:09 The Importance of Keeping Documents Updated20:47 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.

In 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 important conversations in retirement planning: the seven key questions you must be able to answer before deciding if you’re truly ready to retire. From assessing your income streams and healthcare coverage to evaluating lifestyle expectations and potential risks, Sam and Linwood walk through the essential checkpoints that can help you retire with clarity and confidence. Whether you’re just a few years away or still fine-tuning your long-term plan, this discussion will help you determine if you’re financially and emotionally prepared to make the leap into retirement. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to the Seven Questions00:41 Why Retirement Planning Is About More Than Money02:00 Question 1: Do You Know Your Retirement Income Sources?04:18 Question 2: Have You Accounted for Healthcare Costs?06:40 Question 3: Are Your Debts Paid Off or Manageable?09:02 Question 4: What Lifestyle Do You Want in Retirement?12:10 Question 5: Have You Considered Longevity and Inflation?14:35 Question 6: Are You Mentally and Emotionally Ready to Retire?17:20 Question 7: Do You Have a Written Retirement Plan?20:05 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions dig into the unique challenges of earning a six-figure income. While a higher salary may look like a clear advantage, it often comes with hidden pitfalls—higher taxes, lifestyle creep, and the pressure to “keep up” financially. Sam and Linwood break down how to recognize these challenges and share strategies to transform high income into lasting wealth and retirement security. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction and Today’s Topic00:46 Meet the Hosts: Sam & Linwood02:01 Six-Figure Income, Six-Figure Problems03:30 Lifestyle Creep and the Pressure to Spend06:42 Taxes: The Hidden Cost of High Earnings10:25 Case Study: Turning Income into Wealth14:05 Smart Strategies to Stay on Track17:12 Why Discipline Beats Salary Size19:45 Final Thoughts and Takeaways21:30 Conclusion and Resources 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.

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.Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to Coordinating Retirement Savings00:48 Meet the Hosts: Sam Benson & Linwood Fraher01:45 Why Coordination Matters in Retirement Planning03:22 The Role of 401(k)s and Employer Matches06:15 Roth vs. Traditional IRAs in a Coordinated Plan09:20 Using Taxable Accounts for Flexibility11:47 Avoiding Overlap and Redundancy in Investments14:55 Sequencing Withdrawals for Tax Efficiency18:32 Common Mistakes People Make with Multiple Accounts20:40 Pulling It All Together: Creating a Unified Strategy23:12 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions explore three common roadblocks that can delay or derail your retirement plans—and how to overcome them. They discuss the financial and emotional strain of supporting adult children, the dangers of making investment decisions based on emotion rather than strategy, and the uncertainty that comes from not having a written retirement plan. Sam and Linwood share practical tips for setting boundaries, sticking to a disciplined investment approach, and creating a clear, actionable plan so you can retire on time and with confidence. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to Today’s Topic00:53 Meet the Hosts: Sam Benson & Linwood Fraher01:28 Roadblock #1 – Supporting Adult Children06:05 Strategies for Setting Boundaries and Financial Independence08:52 Roadblock #2 – Investing Emotionally Instead of Strategically13:14 Why Discipline Outperforms Emotional Decisions16:47 Roadblock #3 – Lacking a Written Retirement Plan21:25 Creating a Clear Path to Retirement Success25:10 Final Thoughts and Encouragement 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions break down the provisions of the recently passed “Big Beautiful Bill” and what it means for your retirement planning. They focus on the key changes affecting taxes, Social Security, and retirement accounts, explaining how these updates could impact your income, savings strategies, and long-term planning. Sam and Linwood share practical tips to adjust your financial plan in light of the new rules, while also discussing how the legislation could shape retirement for the next decade. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to the Big Beautiful Bill00:46 Why This Legislation Matters for Retirees02:28 Key Tax Changes and Planning Opportunities06:15 Updates to Social Security Rules and Benefits09:42 Retirement Account Provisions: 401(k)s, IRAs, and More14:27 Impact on Required Minimum Distributions (RMDs)17:36 Strategies for Maximizing Benefits Under the New Law21:18 Potential Long-Term Effects on Retirement Planning23:54 Final Thoughts and Action 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.

In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson and Linwood Fraher of Martin Wealth Solutions discuss the intricacies of planning for early retirement before age 65. They introduce the Smart Wealth System, designed to help early retirees plan smarter, reduce risk, and strategically navigate the pre-Medicare years. Key topics include stress testing income, avoiding tax surprises, and ensuring financial security. They outline the comprehensive steps of their milestone-based financial planning journey, from the initial FIT meeting to ongoing momentum planning, covering income strategy, tax planning, insurance and healthcare, legacy planning, and continuous financial adjustments. The hosts emphasize the importance of a structured and personalized approach to achieving a meaningful and secure early retirement. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to Early Retirement Planning 00:41 Meet the Hosts: Linwood and Sam 00:52 The Importance of a Structured Process 01:58 The Smart Wealth Retirement System 03:27 The Fit Meeting: First Step in the Process 04:11 Strategy Session: Building Your Personalized Plan 05:35 Milestone One: Income and Investments 06:42 Milestone Two: Tax Planning 08:52 Milestone Three: Insurance and Healthcare 12:57 Milestone Four: Legacy Planning 15:38 Ongoing Planning: Maintaining Momentum 17:32 Conclusion and Next Steps 18:10 Disclaimer and Legal Information 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.

In 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. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction — Market Highs & What to Own Near Retirement01:00 Meet the Hosts: Sam Benson & Linwood Fraher02:05 Real Client Story: 62 and 98% in Stocks04:10 The Danger of Out-of-Sync Risk Tolerance06:12 Why “It’s Been Working” Isn’t a Plan07:50 What Diversification Really Means09:34 The Problem with Being 100% in Bonds11:30 Why Stocks Still Matter—But So Does Your Time Horizon14:05 The Power of ETFs for Diversification16:30 GE Story: A Lesson in Concentrated Risk18:35 Don’t Sleep on Fixed Income21:05 The 3-Bucket Strategy for Retirement24:14 Everyone’s Allocation Needs Are Different26:05 Big Win Story: From $1.8M to $6.8M—Now What?28:45 Peace of Mind > Portfolio Bragging Rights30:12 Final Thoughts & How to Work With Us 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.

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. Want to work with us?Visit: http://retirewithmartin.com/Learn more: www.planwellretirehappy.com 00:00 Introduction to FIRE Movement 00:23 Understanding FIRE: Financial Independence, Retire Early 01:00 The Core Principles of FIRE 05:26 Types of FIRE: Lean, Fat, Barista, and Coast 14:12 Realistic Expectations and Challenges of FIRE 20:13 Tips for Embracing FIRE in Your 50s 22:51 Conclusion and Final Thoughts 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.

In 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/Learn more: www.planwellretirehappy.com 00:00 Introduction and Podcast Overview 00:13 The Importance of Healthcare in Early Retirement 00:56 Personal Experiences and Client Stories 01:19 Healthcare Costs and Budgeting 05:21 Options for Healthcare Coverage Before Medicare 05:29 Cobra Coverage Explained 06:17 ACA Marketplace and Income-Based Subsidies 09:27 Faith-Based Health Sharing Plans 12:35 Part-Time Work for Health Coverage 16:04 Comparing Healthcare Plans 21:01 Conclusion and Final Thoughts 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.