The Holland Group Retirement Wealth Advisors' Podcast copertina

The Holland Group Retirement Wealth Advisors' Podcast

The Holland Group Retirement Wealth Advisors' Podcast

Di: "Retirement Success!" Podcast
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 Welcome to The Holland Group Retirement Wealth Advisors' Podcast, with Steve and Elizabeth Holland! As fiduciaries, the Holland Group Retirement Wealth Advisors emphasize comprehensive financial planning, tax-efficient retirement strategies, and the value of seeking a second opinion to ensure retirement success to make the rest of your life, the best of your life! To schedule a complimentary consultation, call (727) 295-3451 or visit AskTheHollands.com.Copyright "Retirement Success!" Podcast Economia Finanza personale
Episodi
  • The 2026 Retirement Roadmap: 5 Tips to Bulletproof Your Future

    The 2026 Retirement Roadmap: 5 Tips to Bulletproof Your Future
    Jan 23 2026
    Hosted by Todd "MJ" Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors. As we kick off 2026, the Hollands break down five essential pre-retirement "stress tests" to ensure your "pile of money" actually translates into a lifelong, sustainable paycheck. From navigating a Dow that's nearing 50,000 to avoiding the "certified putz accountant" traps, this show is a masterclass in modern income architecture.
    • The Timeline Trap: Why saying "I'll retire at 65" isn't a plan—and how the 60% of Americans who are forced to retire early often need 40% more savings than they anticipated.
    • The $15,000 Catch-Up: A look at the 2026 IRS contribution limits and why married couples over 50 are sitting on a massive tax-advantaged opportunity they might be missing.
    • The Dow 50,000 Warning: Why a 20% market correction right before you retire can slash your sustainable income by 30%, and how to de-risk before the "two-minute warning" hits.
    • The Million-Dollar Meltdown: Steve walks through a sobering mathematical reality of how a $1,000,000 portfolio can vanish by age 75, even with "safe" 5% withdrawals, if the sequence of returns is working against you.
    • The "Ex-Wife" Beneficiary Blunder: Why "boring" paperwork beats a catastrophic inheritance nightmare, and why your estate plan needs a refresh every three years.
    • Disinheriting the IRS: A deep dive into QCDs (Qualified Charitable Distributions) and how to handle RMDs (Required Minimum Distributions) so the tax man doesn't become your primary beneficiary.
    Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.
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    53 min
  • The Income Architect: Closing the Gap Between What You Own and What You Think You Own

    The Income Architect: Closing the Gap Between What You Own and What You Think You Own
    Jan 16 2026
    In this episode, Todd "MJ" Schnitt, along with Steve and Elizabeth Holland, challenge the idea that a "pile of money" is the same thing as a retirement plan. As the risk of retirement shifts from the employer to the individual, the Hollands explain why you need to stop being a passive investor and start becoming an "income architect." From navigating the "pogo stick" retirement to avoiding a sequence-of-returns disaster, this show provides the blueprint for a sustainable, tax-efficient lifestyle.Key Highlights from the Show:
    • The Pogo Stick Problem: Why the old "three-legged stool" of retirement is gone, leaving many retirees bouncing on a dangerously unstable pogo stick of Social Security and personal savings.
    • "Meta-Screwed" by Medicare: How unknowingly exceeding income thresholds can lead to a "tax explosion" and significantly higher Medicare premiums.
    • The Bucket Strategy: A defensive masterclass on segmenting your wealth into three distinct "buckets" to protect your first five years of retirement from market volatility.
    • Income Sequencing: Why the order in which you withdraw from your accounts is just as important as how much you have.
    • The 10-Year Tax Bomb: Understanding how the SECURE Act changed the rules for your beneficiaries and why your IRA might be a ticking tax clock for your children.
    • Long-Term Care Wildcards: Why 70% of retirees will need care that Medicare won't cover, and how to diversify your income to prepare for the unexpected.
    Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.
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    54 min
  • The Rule of Three: How Segmenting Your Wealth Can Stop Retirement Panic

    The Rule of Three: How Segmenting Your Wealth Can Stop Retirement Panic
    Jan 9 2026
    Join host Todd "MJ" Schnitt alongside Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors for an eye-opening deep dive into the "Risk Perception Gap." In this episode, the team explores why many investors are essentially playing Russian roulette with their futures without even knowing it. From the "ghosts" of inherited stocks to the reality of being "somewhere over the rainbow" in your planning, this show is a must-listen for anyone who wants to ensure their retirement house is built to weather any storm.
    • The Risk Perception Gap: Why many "conservative" investors are shocked to find they are actually exposed to massive drawdowns.
    • Accumulation vs. Distribution: Understanding why a market dip is a "sale" at age 35, but a potential disaster at age 65.
    • Reversed Dollar-Cost Averaging: How selling shares for income during a down market can permanently "wreck" a retirement plan.
    • The True Risk Number: Moving away from guesswork and using objective testing to find your specific "guardrails."
    • Risk Segmentation Strategy: A breakdown of the three-segment approach—Income, Growth, and Liquidity—to create emotional peace.
    • Things That Annoy Steve: A candid rant exposing industry lies about advisor experience and the "1%" annuity myth.
    • The Legacy Ghost: The psychological trap of holding onto "emotional" stocks just because they were inherited.
    • The Withdrawal Hierarchy: Expert advice on whether to pull from pre-tax or after-tax accounts first to stay tax-efficient.
    Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.
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    53 min
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