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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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

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 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 us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com

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 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 more: www.planwellretirehappy.com

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 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 laugh or two.

Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com

00:00 Welcome and Episode Intro 00:42 The Value of Listener Questions 02:00 Client Story: From Fear to Confidence 05:48 Do You Have a Written Financial Plan? 07:45 Building a Retirement "Instruction Manual" 10:02 FAQ #1: How Much Can I Withdraw from My Accounts? 13:14 Understanding the 4% Rule 15:20 Why Tax Planning Matters 17:39 FAQ #2: How Do I Plan for Inflation? 21:42 How Inflation Impacts Retirees 25:00 FAQ #3: What’s Going to Happen with Social Security? 29:40 Potential Changes Congress May Make 33:18 Planning Around Social Security Uncertainty 35:11 Quick Tip: The Health Benefits of Friendship 37:02 Non-Financial Assets That Support Retirement 40:00 Final Thoughts and Wrap-Up

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 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.

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‑Efficient Distributions 13:00 Income‑Generating Investments 15:30 Real‑Life Case Example 17:40 Wrapping Up & Tips 18:51 Outro & Contact Info

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 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.

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www.planwellretirehappy.com

In 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 strong financial future.

http://retirewithmartin.com/ <- Learn about working with us

www.planwellretirehappy.com Article referenced: https://www.ramseysolutions.com/retirement/40-with-no-savings-retire-a-millionaire