Sign up to save your podcasts
Or
Share When to Hire a Financial Advisor: How to Know It’s Time
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
When to Hire a Financial Advisor: How to Know It’s Time
In this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions walk through one of the most common questions people face as their finances become more complex: When does it actually make sense to hire a financial advisor?
Sam and Linwood discuss why many people start out managing their finances on their own — and why certain life events, retirement timelines, tax complexity, and emotional decision-making can signal it’s time for professional guidance. They explain what a good advisor really does beyond investment selection, how fiduciary advice differs from sales-driven recommendations, and how the right relationship can bring clarity, confidence, and coordination to your retirement plan.
Whether you’re fully DIY, considering outside help, or already working with an advisor, this episode helps you evaluate when professional advice can add meaningful value.
http://retirewithmartin.com/ ← Learn about working with us
www.planwellretirehappy.com
Episode Breakdown
00:00 – Introduction: The question of hiring a financial advisor
01:44 – Why so many people start as DIY investors
03:18 – Life events that often trigger the need for advice
05:06 – Retirement planning complexity vs. doing it alone
06:54 – Taxes, income planning, and coordination challenges
08:46 – Emotional investing and market volatility
10:38 – What a good financial advisor actually does
12:26 – Fiduciary advice vs. product-driven sales
14:22 – How advisors add value beyond investments
16:18 – Signs it may be time to hire an advisor
18:14 – Questions to ask before choosing an advisor
20:18 – Red flags to watch out for
22:10 – Key takeaways 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.
View all episodes
By Sam Benson & Linwood FraherIn this episode of the Retire Early Podcast, financial advisors and retirement planners Sam Benson & Linwood Fraher of Martin Wealth Solutions walk through one of the most common questions people face as their finances become more complex: When does it actually make sense to hire a financial advisor?
Sam and Linwood discuss why many people start out managing their finances on their own — and why certain life events, retirement timelines, tax complexity, and emotional decision-making can signal it’s time for professional guidance. They explain what a good advisor really does beyond investment selection, how fiduciary advice differs from sales-driven recommendations, and how the right relationship can bring clarity, confidence, and coordination to your retirement plan.
Whether you’re fully DIY, considering outside help, or already working with an advisor, this episode helps you evaluate when professional advice can add meaningful value.
http://retirewithmartin.com/ ← Learn about working with us
www.planwellretirehappy.com
Episode Breakdown
00:00 – Introduction: The question of hiring a financial advisor
01:44 – Why so many people start as DIY investors
03:18 – Life events that often trigger the need for advice
05:06 – Retirement planning complexity vs. doing it alone
06:54 – Taxes, income planning, and coordination challenges
08:46 – Emotional investing and market volatility
10:38 – What a good financial advisor actually does
12:26 – Fiduciary advice vs. product-driven sales
14:22 – How advisors add value beyond investments
16:18 – Signs it may be time to hire an advisor
18:14 – Questions to ask before choosing an advisor
20:18 – Red flags to watch out for
22:10 – Key takeaways 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.