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Listen "Investing Smarter as Retirement Gets Closer"
Episode Synopsis
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 Retirement
01:00 Meet the Hosts: Sam Benson & Linwood Fraher
02:05 Real Client Story: 62 and 98% in Stocks
04:10 The Danger of Out-of-Sync Risk Tolerance
06:12 Why “It’s Been Working” Isn’t a Plan
07:50 What Diversification Really Means
09:34 The Problem with Being 100% in Bonds
11:30 Why Stocks Still Matter—But So Does Your Time Horizon
14:05 The Power of ETFs for Diversification
16:30 GE Story: A Lesson in Concentrated Risk
18:35 Don’t Sleep on Fixed Income
21:05 The 3-Bucket Strategy for Retirement
24:14 Everyone’s Allocation Needs Are Different
26:05 Big Win Story: From $1.8M to $6.8M—Now What?
28:45 Peace of Mind > Portfolio Bragging Rights
30:12 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.
Want to work with us?
Visit: http://retirewithmartin.com/
Learn more: www.planwellretirehappy.com
00:00 Introduction — Market Highs & What to Own Near Retirement
01:00 Meet the Hosts: Sam Benson & Linwood Fraher
02:05 Real Client Story: 62 and 98% in Stocks
04:10 The Danger of Out-of-Sync Risk Tolerance
06:12 Why “It’s Been Working” Isn’t a Plan
07:50 What Diversification Really Means
09:34 The Problem with Being 100% in Bonds
11:30 Why Stocks Still Matter—But So Does Your Time Horizon
14:05 The Power of ETFs for Diversification
16:30 GE Story: A Lesson in Concentrated Risk
18:35 Don’t Sleep on Fixed Income
21:05 The 3-Bucket Strategy for Retirement
24:14 Everyone’s Allocation Needs Are Different
26:05 Big Win Story: From $1.8M to $6.8M—Now What?
28:45 Peace of Mind > Portfolio Bragging Rights
30:12 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.
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