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.

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00:00 – Introduction: Why the Fed’s decisions matter
00:44 – Meet Sam & Linwood
01:22 – What the Federal Reserve actually does
02:31 – How interest rate changes ripple through the economy
04:08 – The impact on borrowing, saving, and investing
06:02 – Why rising or falling rates matter to retirees
08:10 – The emotional side of rate changes
10:07 – How to adjust your portfolio for changing rates
12:06 – Building flexibility into your retirement plan
13:48 – 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.