The Holland Group Retirement Wealth Advisors' Podcast

This episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they dive into what can only be described as the new retirement reality. People are living longer than ever—and while that sounds like great news, it also means your retirement savings now need to last 25, 30, or even 40 years. In this episode, the Hollands break down why longevity is both a blessing and a financial risk, and how outdated retirement strategies can leave you vulnerable in today’s environment. From longevity risk and rising healthcare costs to Social Security timing and tax-efficient withdrawal strategies, this conversation highlights the real challenges retirees face—and how to plan for them the right way. If you want to make sure you don’t outlive your money and avoid costly financial missteps, this is an episode you don’t want to miss. •The New Retirement Reality: Why retirement is no longer 10–15 years—and how longer lifespans are changing everything about financial planning. •Longevity Risk Explained: The #1 fear retirees face—outliving their money—and why this concern affects everyone, regardless of portfolio size. •The Social Security Gap: Why Social Security typically replaces only about 40% of your income—and how that leaves a major gap you must plan for. •Timing Matters: How claiming Social Security too early can permanently reduce your benefits—and why delaying could significantly increase your lifetime income. •The Hidden Impact of Taxes: Why taxes can quietly erode your retirement savings—and how poor withdrawal strategies can cost you 20–30% more than necessary. •Sequence of Returns Risk: Why market downturns early in retirement can have long-term consequences—even if the market eventually recovers. •Healthcare & Inflation Pressures: How rising costs can reduce your purchasing power over time—and why planning for these expenses is critical. •The Power of Income Planning: How structuring your retirement into income segments can help create stability, flexibility, and long-term sustainability. •Avoiding Emotional Decisions: Why having a clear, structured plan helps you stay on track—even during market volatility. •Turning Longevity Into Opportunity: How the right strategy allows you to enjoy more time with family, travel, and experiences—without financial stress. If you’ve been planning for retirement based on outdated assumptions, now is the time to rethink your strategy. This episode will help you build a plan designed not just to get you to retirement—but to carry you through it with confidence.

Hosted by Todd “MJ” Schmidt, this episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they uncover one of the most underestimated threats to your retirement plan—healthcare costs.While many retirees focus on market performance and investment returns, far fewer prepare for the rising and often unpredictable cost of healthcare. In this episode, the Hollands explain why healthcare is the “silent thief” that can quietly erode your savings—and how proper planning can help you stay protected.From breaking down the true cost of healthcare in retirement to navigating Medicare decisions and long-term care strategies, this conversation turns complex topics into clear, actionable insights. If you want to avoid costly surprises and build a retirement plan that truly lasts, this episode is a must-listen.Why Healthcare Is the Real Retirement Risk: Why healthcare—not market volatility—is often the biggest threat to your financial future.The True Cost of Retirement Healthcare: How a typical retired couple may need over $170,000—and why that number feels less overwhelming when properly plannedBreaking Down the “Healthcare Iceberg”: Understanding how small, ongoing costs add up over time instead of hitting all at once.Medicare Decisions That Matter: The difference between paying more now vs. risking higher costs later—and how timing impacts lifelong penalties.The Long-Term Care Reality: Why 70% of retirees will need some form of long-term care—and how costs can exceed $10,000 per month.The Emotional & Financial Impact: How lack of planning can affect not just your finances—but your spouse and family as well.Smarter Long-Term Care Strategies: How hybrid policies can provide coverage while still protecting your legacy if care isn’t needed.The Power of a Written Plan: Why “guessing” isn’t a strategy—and how a structured retirement plan can help you prepare for the unexpected.Hidden Tax Advantages in Healthcare Planning: How tools like Health Savings Accounts (HSAs) can provide powerful tax benefits when used correctly.Why Most Plans Fall Short: The common gaps in retirement plans—and how overlooking healthcare can put everything at risk.If you’ve spent years building your retirement savings but haven’t planned for healthcare costs, you could be leaving your future exposed. This episode shows you how to take control, reduce uncertainty, and build a retirement plan that accounts for life’s biggest unknowns. 📞 Have questions or want a second opinion? Call: 727-228-6449🌐 Learn more or schedule a discovery call: https://askthehollands.com

Hosted by Todd “MJ” Schmidt, this episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they break down one of the most overlooked—but most important—parts of retirement planning: TAXES.While many retirees focus on growing their savings, far fewer understand how taxes can significantly impact how much of that money they actually get to keep. In this episode, the Hollands explain why taxes may be your biggest expense in retirement—and how creating tax-free income streams can help protect your wealth, reduce long-term tax liability, and give you more control over your financial future. From Roth IRA strategies and Roth conversions to Required Minimum Distributions (RMDs), Social Security taxation, and Medicare premium surprises, this conversation simplifies complex topics into real, actionable insights. If you want to keep more of your hard-earned money and avoid costly mistakes, this episode is a must-listen.Why Taxes Matter More Than Ever: How taxes can become your largest expense in retirement—and why most people underestimate their long-term impact.The Power of Tax-Free Income: Why Roth IRAs and tax-free strategies are so valuable—and how paying taxes now could save you significantly in the future.Roth Conversions Made Simple: A clear breakdown of how converting from tax-deferred accounts to tax-free accounts works—and why timing and strategy are critical.The “Tax Time Bomb” Problem: Why having 70–90% of your savings in tax-deferred accounts (like IRAs and 401(k)s) could expose you to higher taxes later.Big Mistakes to Avoid: From paying taxes the wrong way to converting too much at once, the Hollands explain common pitfalls that can cost you thousands over time.RMDs and Hidden Tax Traps: How Required Minimum Distributions can push you into higher tax brackets—and what you can do to plan ahead.Social Security & Medicare Surprises: Why up to 85% of your Social Security can be taxed—and how poor planning can increase your Medicare premiums (IRMAA).Why Tax Planning Isn’t Optional: The difference between tax preparation and proactive tax planning—and why a long-term strategy is essential for retirement success.Building a Complete Retirement Plan: Why your investment strategy and tax strategy must work together to create sustainable, predictable income in retirement.If you’ve spent years building your retirement savings but haven’t built a strategy to manage taxes, you could be leaving a significant portion of your wealth at risk. This episode shows you how to take control, reduce your tax burden, and create a more secure, tax-efficient retirement.

Welcome back to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you build inflation-adjusted, tax-advantaged, customized plans for a secure retirement. In this episode, we focuse on one of the biggest concerns facing individuals today: how ongoing political chaos, economic instability, and global uncertainty can impact retirement. With constant headlines creating fear and confusion, many people are left asking the same question- what does all of this mean for my financial future? We highlights the importance of taking control of your retirement planning instead of leaving it to chance. Featuring insights on working with trusted advisors like Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors, this episode emphasizes the value of having a clear, personalized strategy designed to navigate uncertain times. Rather than relying on generic advice, the conversation centers on building a retirement plan that protects your hard-earned savings and prepares you for whatever the future may bring. With the right guidance, you can move forward with confidence, even in an unpredictable world. • Facing Today’s Uncertainty: Why constant news about political and economic instability is causing anxiety for those planning for retirement—and what you can do about it. • The Risk of Doing Nothing: How leaving your financial future to chance can impact your long-term security, especially during volatile times. • Building a Retirement Plan That Lasts: The importance of creating a strategy designed to withstand market fluctuations and economic shifts. • Personalized vs. Generic Advice: Why cookie-cutter financial solutions fall short—and how tailored planning can better support your retirement goals. • The Value of Trusted Guidance: How working with experienced advisors can help you protect your assets, stay focused, and make confident financial decisions. If you’re thinking about retirement and feeling uncertain about the future, this episode offers a timely reminder: the right plan and the right people can help you stay on track no matter what’s happening in the world. Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 228-6449, or visit AskTheHollands.com to schedule a discovery call at your convenience.

In this episode of Retirement Success, MJ Schnitt joins Steve and Elizabeth Hollandof The Holland Group Retirement Wealth Advisors as they pull back the curtain on a dangerous trend in estate planning: the "ghostwritten" will. While the allure of free or cheap do-it-yourself online documents is growing, the Hollands explain why these "cookie-cutter" solutions often fail when families need them most.The team discusses the critical difference between a generic template and a plan built through a face-to-face conversation with an attorney who understands your specific life savings and family dynamics. They also share cautionary tales of how improper documentation can lead to expensive legal battles, especially in the era of "blended families".Key Highlights Include:The "Incapacity Gap": Learn why a will is "useless" until the moment of death and how a lack of proper durable power of attorney can force families into expensive, court-appointed guardianship proceedings if you become ill or injured.The Funding Failure: Steve and Elizabeth reveal a common mistake—having a trust but failing to actually "fund" it by transferring assets into it. Without this step, your estate could still end up in a lengthy and public probate process.Asset Protection Blind Spots: Discover why a standard revocable living trust offers "zero" creditor-proofing during your lifetime and what specific language is required to protect inherited wealth for the next generation.The High Cost of "Free": The Hollands break down why financial firms offering free wills as a "gift" can actually create massive liabilities, including documents that aren't state-specific or valid under Florida law.Personal Lessons in Legacy: Steve shares a moving personal story about his own father's estate, illustrating how a "heartless" second spouse and a late-stage will change can lead to the loss of precious family heirlooms and years of drama.Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 228-6449, or visit AskTheHollands.com to schedule a discovery call at your convenience. Ready to see if your plan is built to last? 

In this episode of Retirement Success, MJ Schnitt joins Steve and Elizabeth Holland to discuss the growing concerns many people have about their financial future as global uncertainty continues to dominate the news. With constant headlines about political turmoil, economic instability, and an unpredictable market, many are left wondering how these changes could affect their retirement plans. Glenn emphasizes the importance of having a solid, personalized retirement strategy rather than leaving your financial future to chance. The discussion focuses on how individuals approaching retirement can better protect the wealth they’ve worked hard to build. Instead of relying on generic financial advice or one-size-fits-all solutions, the Hollands emphasize building retirement strategies designed to withstand changing market conditions and economic uncertainty. Listeners will learn why preparation, planning, and trusted financial guidance can make the difference between feeling uncertain about retirement and having confidence in the years ahead. • Navigating Uncertain Times: Why today’s political and economic headlines are causing many people to rethink their retirement plans—and why ignoring the uncertainty can be risky. • Why Retirement Planning Matters More Than Ever: How market volatility, inflation concerns, and global instability can impact long-term financial security if a clear retirement strategy isn’t in place. • Protecting What You’ve Built: Steve and Elizabeth Holland explain the importance of safeguarding retirement savings and creating a financial plan designed to weather unpredictable market cycles. • Beyond Cookie-Cutter Advice: Why personalized retirement strategies are essential—and how tailored planning can help align investments with long-term retirement goals. • Working With a Trusted Advisor: The value of having experienced professionals guide you through complex financial decisions, helping you stay focused on long-term security rather than short-term headlines. If you’re approaching retirement or simply want to feel more confident about your financial future, this episode offers valuable insights into building a plan designed to withstand uncertainty while protecting the wealth you’ve worked so hard to achieve. Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 228-6449, or visit AskTheHollands.com to schedule a discovery call at your convenience.

Hosted by Todd "MJ" Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors. In this episode of Retirement Success, Steve and Elizabeth  dive into the number one question on every retiree's mind: "How do I make my money last?". With life expectancies stretching retirement into a "20 to 30-year period of unemployment," the team explores the critical concept of sustainability and how to protect your lifestyle against inflation and rising costs.The Hollands break down practical, smart movements to extend the life of your savings, starting with the reality of longevity risk. They share personal stories and data—noting that a 65-year-old woman today has a 25% chance of living to age 94—to illustrate why your plan cannot be built on a fixed timeline.Key Highlights Include:The Power of Part-Time Work: Discover how delaying retirement by just one year or earning a modest part-time income can potentially add hundreds of thousands of dollars to your long-term plan by allowing your investments more time to compound.The Social Security "Bridge": Steve and Elizabeth explain why taking Social Security early (at age 62) can result in a 30% reduction in benefits. They discuss strategies for "building a bridge" using portfolio withdrawals to delay benefits and lock in higher guaranteed lifetime income.Waking Up "Lazy Money": Learn why leaving large sums of cash in big "Wall Street banks" might mean you are "going broke safely" due to interest rates as low as 0.03%. The team highlights higher-yield alternatives that keep your emergency funds FDIC-insured but productive.Smart Asset Allocation & Rebalancing: The discussion covers the importance of diversification across asset classes and the necessity of rebalancing—selling high and buying low—to manage volatility and avoid "ultra-conservative" traps that can lead to running out of money.Listener Q&A: Alicia Holland DeBernardy joins the show to answer a listener's question about the most important steps to take five years before retirement, focusing on the "least favorite B-word"—Budgeting—and the vital role of a modern stress test for your portfolio.                                                                                                                                                                                                                                                                                        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.

Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors. Today’s show takes on a deceptively simple—but financially dangerous—question: why do so many “top” mutual funds all own the exact same companies? The Hollands break down the difference between diversification on paper versus diversification in reality, exposing how investors can unknowingly end up with heavy duplication in the same mega-cap names (Apple, Microsoft, Nvidia, Amazon, Google) across multiple funds. From “closet indexing” to hidden fee layering, this episode is a must-hear for anyone approaching retirement who wants to reduce concentration risk, avoid paying premium fees for index-like performance, and build a portfolio designed for sustainable retirement income—not just headline returns. The Diversification Illusion: Why owning 5–6 mutual funds doesn’t automatically mean you’re diversified—and how overlapping holdings can create a portfolio that’s concentrated in the same sectors and the same handful of stocks.The “Top Funds Own the Same Stuff” Problem: Steve and Elizabeth explain how today’s “Top 50” fund lists can look nearly identical—driven by the market dominance of mega-cap companies and managers who fear being the one who didn’t own the winners.Duplication vs. Diversification: The hidden risk of owning the same company 5, 6, or even 10+ times across different funds—and why that can be expensive (and painful) when a single sector gets hit.Closet Indexing Exposed: What “closet indexing” really means—funds that closely track a benchmark while charging higher, active-management-style fees—so investors pay more for “the same ride.”The Fee Stack Nobody Explains: How advisory fees, fund expense ratios, trading costs, and internal fund costs can quietly compound—potentially draining long-term performance and reducing total returns over a 20–30 year retirement. Should You Just Buy the Stocks Directly?: Why direct stock ownership can reduce internal fund expenses—but also increases emotional decision-making risk (panic selling, chasing headlines), especially when large-cap stocks swing hard.What a Real Retirement Advisor Adds: The Hollands outline what actually matters beyond stock picking: exposure analysis, fee efficiency, behavioral coaching, and retirement-income risk alignment—plus integrating tax planning into the full retirement strategy.Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 228-6449, or visit AskTheHollands.com to schedule a discovery call at your convenience.

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.

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.

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.

On this episode of Retirement Success, hosts Steve and Elizabeth Holland are joined by Todd M.J. Schnitt to discuss the "Education Launchpad." With 70% of grandparents now providing financial support to their families, the team breaks down how to gift money effectively while navigating rising college costs and the complexities of "unemployment" that can last 30 years in retirement.Key Discussion PointsThe 529 Strategy Shift: Discover how new FAFSA rules have made grandparent-owned 529 plans more powerful than ever, and how "super-funding" can allow a couple to move up to $190,000 into a plan tax-free in a single year.The Custodial Account Warning: Elizabeth shares a personal story about the "majority age" trap of UTMA/UGMA accounts, where major custodians can legally "fire" the grandparent from the account the moment the grandchild turns 21.The McDonald’s Roth IRA: Learn why a simple summer job is the ultimate "set it and forget it" legacy move, potentially turning a few thousand dollars of summer earnings into $90,000 of tax-free retirement wealth for a grandchild.Financial Wisdom & The "Sandwich Tax": Steve discusses the "Two Tens for a Five" lesson and why teaching grandchildren about taxes through everyday life (like taking a slice of their "pie") leads to better credit scores and lower debt in adulthood.The 59.5 Countdown: In the listener corner, the Hollands explain why the IRS "always knows" if you touch your money even one month early and how to avoid the 10% "early exit" penalty.Whether you are looking to fund a college education or simply want to ensure your hard-earned wisdom outlasts your wealth, this episode provides a roadmap for purposeful gifting.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.

On this episode of Retirement Success, hosts Steve and Elizabeth Holland, joined by Todd M.J. Schnitt, outline the three essential pillars for building a retirement plan that delivers true financial confidence. They stress that with risks like rising debt, inflation, and market volatility, relying on old strategies is not enough—you must proactively address Tax Planning, Investment Management, and Reliable Income Planning to secure your future.Key Discussion PointsPillar 1: Tax Strategy is Future-Focused: Proactive tax planning is critical as the IRS does not retire. Strategies like Roth conversions and rethinking RMDs are necessary to minimize future tax liabilities and prevent taxes from eroding your savings (e.g., the teacher couple facing a $300,000 tax surprise on a $1.2M account).Pillar 2: Balance Investment Risk: The retirement goal shifts from growth to preservation. Portfolios must be rebalanced to reduce exposure to devastating market drops (sequence of return risk), using diversification and solutions like guaranteed income annuities over low-performing bond funds.Pillar 3: Sustainable Income is Key: Income planning ensures your money outlives you. You need reliable sources for essentials and variable income for lifestyle, with built-in protection against inflation and the high cost of out-of-pocket healthcare.If you're worried about market volatility, rising taxes, or joining the 51% of retirees who fear running out of money, this episode provides the foundation for an updated, confident strategy.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.

This episode of Retirement Success focuses on the crucial topic of tax-efficient asset disposal and confronting the "silent partner" in your retirement savings: the IRS. Steve and Elizabeth Holland discuss proactive strategies to legally reduce your tax burden when selling major assets like businesses, real estate, or dealing with retirement accounts.Key Discussion PointsRetirement Account Taxes: Funds in traditional IRAs and 401(k)s are taxed as ordinary income upon withdrawal, compounded by mandatory RMDs that can increase both tax bills and Medicare premiums (IRMAA).Roth Strategy: Roth conversions are the core defensive move, allowing you to pay taxes now (in a potentially lower bracket) to ensure all future growth and withdrawals are tax-free and avoid RMDs.Real Estate & Business Sales: Strategies for highly appreciated assets include using a Charitable Remainder Trust (CRT) to sell property tax-free and generate lifetime income, or utilizing an installment sale to spread the capital gains tax from a business sale over many years.Charitable Tools: Tools like the Donor Advised Fund (DAF) offer an immediate tax deduction against high-income years (like after a sale), while allowing you to decide on the charity later.Legacy Planning: Even with high federal exemptions, advanced planning with irrevocable trusts is crucial to move asset appreciation out of the taxable estate. The overall goal is to synchronize all tax strategies to protect your family's financial legacy.If you own a business, highly appreciated real estate, or simply want to stop letting the IRS be your silent partner, listening to this episode will clarify the advanced tax strategies available to help you keep more of the wealth you built.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.

This episode of Retirement Success focuses on the crucial topic of tax strategy in retirement planning, particularly emphasizing the use of Roth conversions as a defensive measure against future tax increases—dubbed "The Great Tax Storm." Steve and Elizabeth Holland discuss how to utilize Roth conversions strategically to ensure a tax-advantaged retirement.Key Discussion PointsThe Roth Conversion Strategy: Roth conversions move pre-tax funds into a Roth IRA, allowing future growth and qualified withdrawals to be tax-free. This strategy is essential for protecting retirement wealth from potential future tax increases and helps you "disinherit the IRS" from your savings.Avoiding Penalties and Taxes: Strategic Roth conversions can help you sidestep two major retirement threats: Required Minimum Distributions (RMDs), which can push income into higher tax brackets and increase IRMAA (Medicare premiums), and high taxes for your heirs via the Legacy Planning Window.Five Key Timing Windows: The Hollands detail optimal periods for conversion, including converting during a Market Downturn to pay tax on a smaller amount, utilizing the expiring Senior Bonus Deduction (2025-2028), and converting during low-income Gap Years between retirement and Social Security/RMDs.The Conversion Playbook: Success relies on "precision work, not guesswork." The process involves building a multi-year conversion plan based on a projection of your current and future tax brackets, RMD timing, and income sources to ensure you stay under specific tax thresholds.Getting Started: The Holland Group offers a Discovery Call to find out what prompted your call (your "pain" or concern). They then build a customized, comprehensive retirement plan after an in-depth financial review, ensuring your plan honors your core objectives.If you're wondering how the Tax Cuts and Jobs Act extension might affect your personal retirement strategy or if you're taking advantage of the current "tax sale" before potential changes, this episode is a must-listen.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.

This week on the show, Steve and Elizabeth Holland, along with MJ, discuss the crucial and evolving challenge of planning for a much longer and costlier retirement. They emphasize that retirement is no longer a finish line, but a complex, full-time financial strategy where planning wiser is essential to ensure your money lasts as long as you do.Key Discussion Points:The New Longevity Reality: One in three 65-year-olds today is projected to live past age 90, significantly stretching retirement savings beyond the traditional 20-year plan.The Two-Legged Stool: The traditional "three-legged stool" (pension, Social Security, and savings) is gone due to the lack of pensions, making personal savings carry a much heavier load.Controlling Healthcare and Inflation Risks: Healthcare inflation (averaging over 5% per year) and general inflation pose massive threats to purchasing power, demanding growth in the portfolio to keep pace.Social Security Strategy: Delaying Social Security benefits until age 70 can result in up to a 76% higher benefit compared to claiming at age 62, essentially acting as longevity insurance.The Three-Strategy Approach: To balance risk and opportunity, the Hollands use a system (or "buckets") to manage assets: Immediate Income (1-3 years of cash/stable assets), Intermediate Income (predictable income tools like certain annuities/MIGAs), and Growth (long-term investments to beat inflation).Preparing for the Unknowns: Flexibility is key, and a proper financial plan must be "stress-tested" against major unknowns like long-term care needs, which can quickly deplete assets if not planned for.Financial Question of the Day: The team discussed what to do with old whole life insurance policies, noting that selling the policy to a life settlement firm may yield a significantly higher payout than cashing it out with the insurance company.The bottom line is that living longer is a gift, but it requires a disciplined, professional strategy covering income, taxes, and healthcare to ensure financial freedom.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.

This episode of Retirement Success with Steve and Elizabeth Holland and host MJ Schnitt focuses on the essential concept of building a genuine partnership with your financial advisor to achieve a comprehensive and successful retirement. The discussion emphasizes that true comprehensive planning extends far beyond merely picking stocks, covering a necessary integration of tax strategy, estate planning, and healthcare considerations—all delivered with total transparency.Key Takeaways from the ConversationCustomized Investment Philosophy: Advisors must determine a client's Safety Concern Index (SCI) (a scale of 1-10) to align the investment strategy with their true risk tolerance, resisting the urge to push clients into riskier positions than they are comfortable with.The Power of Comprehensive Service: True financial planning is a tailored, two-hour process that encompasses all elements of a client's financial life, including tax planning, estate planning, and healthcare, not just investment management.Non-Negotiable Transparency: Clients must demand total clarity on all associated costs (advisors' fees, custodian fees, and mutual fund expenses) and avoid advisors who perform the "verbal dance" or push costly, complex products like structured notes which lack adequate downside protection.Trust and Communication are Paramount: An advisor must act as a fiduciary, always putting the client's interests first. Effective communication requires the advisor to listen twice as much as they talk and maintain contact with clients, especially during periods of market volatility.Red Flags to Watch Out For: A major warning sign is an advisor who immediately pushes specific products (like structured notes) instead of focusing on a personalized strategy, or pressures a client to make an immediate, on-the-spot decision.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.

This episode of Retirement Success with Steve and Elizabeth Holland, and host MJ Schnitt, dives deep into one of the most complex puzzles facing retirees: designing an airtight, sustainable retirement income strategy that lasts without forcing a sacrifice in lifestyle. The discussion covers the critical shift from pensions to self-managed plans, demolishes outdated income rules, and introduces a foundational three-part framework for generating income while minimizing the impact of the "silent killer"—taxes.Key Takeaways from the ConversationMove Past Outdated Rules: The old 4% withdrawal rule is no longer valid; a successful plan must be designed for longevity and must account for market volatility, inflation, and tax changes over 30+ years.Segment Your Wealth: Employ a three-part strategy by segmenting funds into Short-Term (1–5 years for liquidity), Mid-Term (5–10 years conservative), and Long-Term (10+ years for strategic growth).Create Your Own Pension: With the decline of defined benefit plans (pensions), modern retirement requires a custom plan to generate reliable income, placing the full responsibility on the retiree.Factor in Essentials and Taxes: Prioritize covering "must-have" expenses (housing, healthcare, etc.) with stable income, and utilize a tax-aware withdrawal strategy that blends withdrawals from taxable, tax-deferred, and tax-free accounts to maximize tax efficiency.Optimize Social Security and Utilize Tools: Don't view Social Security as a simple check; it's a critical strategy. Supplement any income gap using tailored financial tools, such as fixed annuities with potential riders for long-term care, to provide stability and sustainability outside of the stock market.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.

This episode of Retirement Success explores how to move "Beyond the Basics" of IRAs and 401(k)s to build a robust, protected, and sustainable retirement income plan, emphasizing the critical shift from simply accumulating assets to actively managing risk, fees, and tax strategy.Key Segments:The importance of building your own "personal pension" using guaranteed, predictable income sources.Why many advisors who dismiss annuities may be doing so to collect management fees on other investments.How to counter "sequence of returns risk" and create a disciplined withdrawal plan.The massive financial opportunity you might be ignoring with catch-up contributions if you're over 50.Exposing the hidden fees and excessive holdings (sometimes over 28,000!) often lurking in retirement accounts.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.

This episode of Retirement Success with Steve and Elizabeth Holland and Todd MJ Schnitt provides a guide to constructing a comprehensive "Financial Fortress" to protect your life savings from common financial dangers, including market crashes, soaring healthcare costs, and unexpected tax burdens.Key Segments:Why the old playbook for retirement no longer works and the secret to an Income-First strategy.The single reason you may pay a higher tax rate in retirement than you did while working.Why you need a 12 to 18-month cash buffer and how to get guaranteed income now while interest rates are still favorable.How to build a "Health Care Moat" to protect your nest egg from America’s number one budget killer.The essential legal step that can save your family from probate costs and fighting over your estate.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.

This episode of Retirement Success, hosted by Steve and Elizabeth Holland with Todd MJ Schnitt, dissects the significant financial and personal implications of government shutdowns, emphasizing that a personalized retirement plan is crucial for navigating such events. The hosts underscore that a recent shutdown is a powerful reminder that these disruptive periods will occur again.Key Topics and Advice:Protecting Your Income and Cash Flow: The most critical defense against government disruption is an adequate cash buffer. The Hollands strongly advise increasing liquid reserves to cover 12 to 18 months of expenses, up from the pre-pandemic recommendation of 6-8 months. This is vital for those facing furloughs (like federal employees) and for retirees needing to implement a staggered withdrawal strategy to avoid selling volatile assets during a market dip. They also clarify that unlike the pandemic, Required Minimum Distributions (RMDs) are still mandatory during a shutdown.Impact on Government Services and Benefits: While Social Security and Medicare benefit checks are generally safe, administrative support and services face significant delays. This includes the processing of veterans' benefits, disability claims, appeals, permits, and license renewals. The uncertainty caused by these delays extends to the financial markets, which "hate uncertainty," and contributes to weekly GDP losses of up to $15 billion.Market Volatility and Personal Risk: Shutdowns trigger market volatility and can lead to "portfolio drag" for retirees relying on short-term returns. Beyond dollars, there are real-life consequences, including delays in health-related processing and an overall intangible "fear risk" that causes significant personal anxiety and stress among the 60-plus crowd.The Holland Group's Personalized Planning: The firm’s client onboarding starts with a brief "discovery call" to understand a prospective client's core concerns. The goal is to move beyond a "cookie-cutter" approach, collecting comprehensive personal and financial data to construct a truly customized, comprehensive retirement plan that addresses unique goals and anxieties.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.

In this episode, Steve and Elizabeth Holland, along with co-host Todd MJ Schnitt, tackle common retirement planning pitfalls, shifting the focus from simply accumulating savings to actively converting those assets into a reliable, lifelong income stream. The conversation highlights the crucial need for a personalized and proactive financial strategy that goes far beyond traditional IRA and 401(k) accounts.Key TakeawaysBeware of Target-Date Funds: The hosts warn against target-date funds, which they say often contain a large portion of underperforming fixed-income assets that can act as an "anchor," creating a "death spiral" for your retirement savings.Inflation Is a "Silent Wealth Killer": Inflation can significantly erode your purchasing power over time. It is vital to have an inflation-adjusted strategy, as well as a plan for your cash reserves, to protect your money from devaluation.Build Your Own "Personal Pension": Since traditional company pensions are rare, you must create your own. This can involve combining different investment vehicles, including annuities, to establish a reliable, guaranteed stream of income that is not tied to the volatility of the stock market.Taxes and Withdrawals Matter: A comprehensive retirement plan must include a tax diversification strategy and a smart withdrawal strategy. This allows you to pull from different tax-advantaged accounts at the right time to minimize your tax burden and avoid selling assets at a loss during a down market.A Will Is Not Enough: For estate planning, a simple will is insufficient. A full estate plan with a trust is necessary to ensure your assets are protected and distributed as intended, preventing them from falling into probate or being taken by the state.The Holland Group Retirement Wealth Advisors offers a complimentary, no-obligation review to help you create a personalized blueprint for your financial future. This fiduciary process ensures that your retirement plan addresses all of these critical areas and is designed to provide you with clarity and peace of mind.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.

Welcome back to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you protect your wealth and build inflation-adjusted, tax-advantaged retirement plans. In this episode, we take a deeper dive into how tariffs and other geopolitical events can impact your retirement portfolio and what you can do to prepare.Key Takeaways from the Discussion:Tariffs Cause Market Volatility: Tariffs on imported goods can cause significant market fluctuations and are a financial concern, not just a political one. These events can trigger market sell-offs that hurt a retirement portfolio making systematic withdrawals.The Importance of a Defensive Strategy: The hosts emphasize that every investor needs a defensive strategy and a properly diversified portfolio to mitigate the impact of market jitters and navigate economic uncertainties.Planning for Every Stage: The show differentiates between planning for younger investors, who have an abundance of time, and older investors, who have built a substantial portfolio but now find that time is their most precious asset.Answering a Common Question: The hosts address a listener's question about contributing to a Roth IRA after retirement, clarifying that earned income is required for contributions but suggesting that a Roth conversion may be an option.The Value of Professional Guidance: The Holland Group offers a complimentary review to help clients reduce implicit fees, disinherit the IRS with effective tax strategies, and identify and reduce portfolio risk, ultimately helping to avoid costly "oopsies" with their finances.Let the Hollands use their decades of experience to help you understand market complexities and tailor your retirement strategy. 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.

Welcome to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. For over 30 years, The Holland Group Retirement Wealth Advisors have been helping clients create customized, tax-advantaged retirement plans. In this episode, we discuss why retirement is a long-term marathon, not a sprint, and the strategies you need to make your money last.Key Takeaways from the Discussion:Longevity is a Challenge: With people living longer than ever before, retirement planning must account for a 20 to 30-year "marathon" of unemployment, requiring a detailed, long-term strategy.Avoid "Dead Money": Keeping large amounts of cash uninvested in low-yield accounts is a costly mistake. The show highlights the "opportunity cost" of this "lazy money," which is a loss of potential growth that is essential for a successful retirement.Secure Your Essentials: A solid financial foundation involves separating your expenses into two categories. Essential needs should be funded by reliable income sources like pensions and annuities, while lifestyle expenses can be covered by a growth-oriented portfolio.Optimize Social Security: The biggest mistake people make is treating Social Security as a simple on/off switch. By delaying your benefits, you can significantly increase your lifetime income, potentially resulting in a six-figure difference.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.

Welcome to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. This episode introduces a new framework for retirement planning based on three distinct seasons:Active Season: The early years of retirement, marked by higher spending on travel, hobbies, and home projects. This phase requires a "Freedom Fund" to prevent overspending.Settled Season: Beginning in the mid-70s, spending naturally declines as priorities shift to local activities and family. This period allows portfolios to rebuild and is defined by "intentional moderation."Care Season: The final phase of retirement, characterized by a sharp rise in non-optional healthcare and long-term care expenses, making a comprehensive plan and tools like long-term care insurance essential.The podcast debunks the myth of spending automatically dropping in retirement, highlights the risks of an "expectation gap" between planned and actual spending, and stresses the importance of having a professional, customized plan that includes a tax-smart withdrawal strategy.For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you build inflation-adjusted, tax-advantaged, customized plans for a secure retirementContact 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.

Welcome back to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you build inflation-adjusted, tax-advantaged, customized plans for a secure retirement. In this episode, we break down the recently signed "One Big, Beautiful Bill" (OBBBA) and its crucial implications for your financial future.Key Takeaways from the Discussion:The "One Big, Beautiful Bill" introduces significant tax advantages for many retirees, including permanent 2017 tax cuts, new deductions (like for tips and overtime), a temporary senior bonus deduction, and boosted standard deductions, aiming to put more money back in your pocket.However, the bill also features substantial Medicaid cuts and new work requirements, which could impact healthcare access and long-term care costs for some, while adding trillions to the national debt, raising future financial concerns.The Holland Group emphasizes that proactive, personalized tax and financial planning is essential to maximize these new opportunities (like Roth conversions) and effectively navigate the bill's complexities, advocating for advisors who actively listen to client needs.Let the Hollands use their decades of experience to help you understand the "One Big, Beautiful Bill" and tailor your retirement strategy. 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.

In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, the discussion centers on understanding and mitigating hidden risks in retirement planning that advisors may not fully disclose.Key Takeaways from the Discussion:This episode underscores the critical need for retirees to accurately assess and mitigate hidden portfolio risks like the sequence of returns risk, which can severely deplete wealth if withdrawals coincide with market downturns. The Holland Group champions a comprehensive, transparent planning approach, utilizing advanced tools and their fiduciary expertise to build resilient portfolios that manage income, growth, and liquidity while proactively addressing taxes and hidden fees.For a complimentary, no-obligation financial review, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451. You can also visit AskTheHollands.com for more information.

In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, they address the significant shifts in retirement planning. Old strategies are no longer sufficient, requiring individuals to adapt to secure their financial future.Key Takeaways from the Discussion:Evolving Retirement Landscape: People are living significantly longer, pushing retirement duration to potentially 30-40 years. This longevity necessitates careful planning for income sustainability and highlights the importance of effective self-managed 401(k)s.Navigating Market Realities: The discussion warns against the dangers of "fund of funds" (target-date funds) within 401(k)s due to poor performance and inherent flaws. It emphasizes strategies to mitigate market volatility and the critical "sequence of return risk" during early retirement withdrawals.Planning for Longevity and Costs: Hidden costs like rising healthcare expenses (over $424,000 for a couple) and the substantial cost of long-term care (averaging $11,000/month in Florida) are crucial to address. Hybrid asset-based long-term care policies are presented as a solution that protects wealth even if care isn't needed.Addressing Modern Retirement Challenges: Proactive tax planning is essential to manage future burdens, including evaluating strategies like Roth conversions versus traditional contributions through hypothetical tax returns. The episode reinforces the need for a reliable income strategy that isn't solely dependent on market performance.The Fiduciary Advantage & Local Support: The Holland Group emphasizes its over 32 years as a local, fiduciary firm, legally obligated to act in the client's best interest. This contrasts with firms that may have conflicts or lack deep-rooted local experience and transparent practices.The Value of a Second Opinion: Listeners are encouraged to seek a complimentary, comprehensive review to uncover potential issues like portfolio duplication, excessive risk, and hidden fees. This personalized assessment provides clarity and helps optimize current financial plans for a secure retirement.For a complimentary, no-obligation financial review, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451. You can also visit AskTheHollands.com for more information.

In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, they address the significant shifts in retirement planning. Old strategies are no longer sufficient, requiring individuals to adapt to secure their financial future.Key Takeaways from the Discussion:Evolving Retirement Landscape: Pensions are dwindling, making "do-it-yourself" 401(k)s crucial for income generation. Be cautious of "fund of funds" (target-date funds) in 401(k)s, but continue contributions for tax-deferred growth even without an employer match.Navigating Market Realities: Expect continuous market volatility. Success hinges on discipline, focus, and a long-term perspective, especially as retirement nears.Planning for Longevity and Costs: With increasing lifespans, particularly for women, planning for sustainable income is vital. Be aware of significant, often underestimated, hidden costs like long-term care, which Medicare may not fully cover.Addressing Modern Retirement Challenges: Unlike previous generations, today's retirees often face substantial obstacles from credit card debt and medical bills. Proactive tax planning is essential to mitigate the impact of looming tax changes, such as potential higher tax brackets in 2026.The Fiduciary Advantage & Local Support: Opt for fiduciary advisors like The Holland Group who are legally bound to act in your best interest, unlike traditional brokers with potential conflicts. Benefit from personalized, long-term support from a stable, local firm where you meet directly with the founders.The Value of a Second Opinion: A complimentary review of your current financial plan from experts can provide critical clarity and strengthen your financial position.For a complimentary, no-obligation financial review, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451. You can also visit AskTheHollands.com for more information.

Join Steve and Elizabeth Holland with Todd "MJ" Schnitt as they delve into crucial aspects of retirement planning, offering insights to help you manage your finances effectively and avoid common pitfalls. This episode emphasizes the importance of a well-structured plan and expert guidance to ensure your peace of mind.Key Topics Covered:The complexity of retirement planning and the need for a customized approach.The critical role of a written, inflation-adjusted, and tax-advantaged income plan.The importance of knowing exactly what you own and what you pay for it.Understanding and managing risk tolerance in your investment portfolio.The benefits of a second opinion for your financial plan.Addressing the emotional aspects of financial management, especially for surviving spouses.The truth about selling life insurance policies (viatical life settlements).For a complimentary, no-obligation financial review, call The Holland Group Retirement Wealth Advisors at (727) 295-3451. Visit AskTheHollands.com for more information.

Steve and Elizabeth Holland, with Todd “MJ” Schnitt, reveal essential strategies to ensure your money outlasts you in retirement. Facing longer life expectancies and inflation, many retirees need smarter approaches. This episode tackles the critical importance of strategic planning, moving beyond generic advice to personalized solutions.Key Takeaways:Longevity Planning: Acknowledge longer lifespans and ensure your money is actively working for you.Benefits of Part-Time Work: Even temporary part-time employment can significantly reduce portfolio withdrawals and boost long-term savings.Optimizing Social Security: Learn how delaying benefits can substantially increase your lifetime payout.Eliminate "Lazy Money": Stop letting cash sit in low-interest accounts. Move it to higher-yielding, federally insured options to maximize growth.Smart Asset Allocation: Diversify investments and regularly rebalance your portfolio to manage risk and achieve stable returns, avoiding common pitfalls like risky gold investments.Pre-Retirement Planning: If nearing retirement, immediately review your budget and conduct a comprehensive risk assessment (stress test) on your portfolio.For a complimentary, no-obligation financial review, call The Holland Group Retirement Wealth Advisors at (727) 295-3451. Visit AskTheHollands.com for more information.

In this episode of Retirement Success, Steve and Elizabeth Holland, joined by Todd “MJ” Schnitt, tackle crucial strategies for navigating retirement's financial challenges. With a record number of Americans nearing retirement, many face uncertain financial ground. The Hollands discuss safeguarding savings from potential government policy changes, adapting investment strategies to market volatility, and understanding the impact of government debt on purchasing power. They emphasize the critical need for a dynamic, individualized plan that adapts to market shifts, explaining why a "set it and forget it" approach is dangerous today. Discover how MIGAs offer a powerful alternative to traditional fixed income and why working with a local fiduciary firm is essential for building a resilient retirement.Here’s what you’ll take away:Protecting Your Nest Egg: Strategies to shield savings from potential government changes in Social Security, Medicare, and taxes.Thriving in Volatility: How to adjust investment strategies for growth and risk in turbulent markets, including the benefits of Multiple-Year Guaranteed Annuities (MIGAs) over traditional CDs.Inflation's Impact: Understanding how government debt influences inflation and your purchasing power.The Fiduciary Advantage: Why a local, fiduciary firm like The Holland Group is crucial for a dynamic, adaptable retirement plan that goes beyond generic "bucket strategies."Whether you're nearing retirement or decades away, the Holland Group delivers real-world insight and strategies to help you plan with confidence, no matter what the markets are doing.📞 Call now for your complimentary, no-obligation financial review at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to bust some of the most persistent financial myths—ones that could seriously derail your retirement if you fall for them. From outdated rules of thumb to Social Security scare tactics, the Hollands bring facts, clarity, and a bit of humor to set the record straight. Here’s what you’ll take away:Why the 4% rule might be dead—and how to plan for income in a world with inflation and market volatilityThe truth about Social Security’s future (spoiler: it’s not going away anytime soon)What most people get wrong about long-term care and how annuities could be a smarter alternativeA behind-the-scenes look at how some “advisors” quietly charge sky-high fees—and why transparency mattersHow a personalized retirement plan can make or break your long-term successWhy written financial plans aren’t just for the ultra-wealthy—they’re for anyone who wants peace of mindA special listener Q&A from a 28-year-old aiming to retire by 40—can it be done?Markets change. Myths spread. But your retirement strategy should be grounded in facts and tailored to you. 📞 For your complimentary, no-obligation financial review, call the Holland Group Retirement Wealth Advisors at (727) 295-3451 or visit AskTheHollands.com.

The rules of retirement have fundamentally changed. Old strategies no longer fit today's financial terrain, demanding a new approach to secure your future. Join Steve and Elizabeth Holland with Todd "MJ" Schnitt as they reveal how to navigate this evolving landscape, from dwindling pensions to market volatility and crucial tax changes, ensuring your retirement dreams become a reality.Key Topics Covered:The End of Pensions: Understanding the shift from guaranteed pensions to "do-it-yourself" 401(k)s and how to create your own secure income stream.401(k) Pitfalls: The dangers of "fund of funds" (target-date funds) in 401(k)s and why even without an employer match, contributing is vital for tax-deferred growth.Market Volatility is the New Normal: Why constant market swings (like tariffs or pandemics) are to be expected, and the importance of discipline and focus, especially nearing retirement.The Longevity Factor: Planning for longer lifespans, particularly for women, and ensuring sustainable income to avoid outliving your savings.Hidden Retirement Costs: The staggering and often underestimated expenses of long-term care and why Medicare won't cover everything.The Soaring Debt Crisis: How massive credit card debt and medical bills are significant obstacles for modern retirees, unlike previous generations.Looming Tax Changes: The potential for higher tax brackets in 2026 and the critical need for proactive tax planning to mitigate future burdens.The Fiduciary Advantage: The crucial difference between a fiduciary advisor (like the Hollands) who acts in your best interest and traditional brokers, highlighting conflicts of interest.Local, Dedicated Advisors: Why working with a firm like The Holland Group, where you meet directly with the founders and get personalized, long-term support, is essential versus transient firms focused on selling their business.The Power of a Second Opinion: Why getting a complimentary review of your current financial plan from experts can provide clarity and put you in a position of strength.For a complimentary, no-obligation financial review, call The Holland Group Retirement Wealth Advisors at (727) 295-3451. Visit AskTheHollands.com for more information.Sources

In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to uncover the biggest lessons retirees often learn too late — and how you can avoid making the same costly mistakes. Here’s what you’ll take away:Why a financial plan that looks good on paper isn’t enough — you need one that adapts and lastsThe real risk of hidden advisory fees and why full transparency is essentialHow estate planning isn’t just for the ultra-wealthy — it’s for anyone who wants to protect their familyWhat retirees need to know about real estate vs. stock market returnsThe power of catch-up contributions — and why most people don’t take full advantageHow a local fiduciary firm can provide real clarity and accountability when it matters mostVisual financial planning: why seeing your future helps you make smarter decisionsWhether you’re approaching retirement or already there, this episode delivers practical insights to help you stay ahead. 📞 Call now for a complimentary, no-obligation financial review at (727) 295-3451🌐 Visit AskTheHollands.com for more info

In this powerful episode, Retirement Success with the Holland Group — Hosted by Todd “MJ” Schnitt, Steve and Elizabeth Holland reveal the most common regrets and overlooked strategies retirees face — and how to avoid them.Key takeaways:Why choosing a local, independent fiduciary advisor makes all the difference.The shocking limitations of most 401(k)s — and how better planning can expand your investment options.Why “set it and forget it” is dangerous — and the high cost of hidden fees.Real estate vs. stock market returns: which actually performs better long-term?Catch-up contributions: a huge missed opportunity for most Americans over 50.Estate plans aren’t just for the wealthy — they’re for anyone who wants to protect their family and avoid conflict.A strong retirement plan includes tax strategy, healthcare planning, and a real distribution game plan — not just investments.📞 Your complimentary financial review is just a call away: (727) 295-3451📍 Visit AskTheHollands.com to schedule a no-obligation consultation today

In this episode of Retirement Success with the Holland Group, Todd "MJ" Schnitt teams up with Steve and Elizabeth Holland to tackle one of the most overlooked aspects of retirement: estate planning.Here’s what you’ll learn:🔎 Why a will alone isn't enough to protect your legacy.⚖️ How the upcoming 2026 estate tax changes could impact your family's future.🏠 The dangers of probate—and how proper planning helps your loved ones avoid it.📈 How strategies like stepped-up basis and annual gifting exclusions work to your advantage.📝 Why updating your estate plan is crucial, especially after major life events.🤝 The power of working with trusted, local fiduciaries who understand retirement, tax, and legacy planning.📞 Call today for your complimentary, no-obligation financial review at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to break down the two biggest threats to your retirement—and how to stay confident through market ups and downs. Whether you’re approaching retirement or already there, this episode is packed with insight to help you protect and preserve your wealth.Here’s what you’ll learn:🔥 Why even high-net-worth individuals often lack a real retirement plan—and how to avoid that mistake⚠️ The two major risks to your retirement: taxes and market volatility—and how the Hollands help manage both🧠 Why financial jargon and cookie-cutter plans fall short—and how the Hollands speak your language👀 How visual, personalized plans give you true clarity and confidence💼 Real client stories that highlight the power of transparency in fiduciary advice🏡 The advantage of working with a local, Tampa Bay-based advisory team—not a national chain with a satellite office📞 Schedule your complimentary financial review today at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to break down the key differences between a living trust and a will, explaining why a trust is often the better option for retirees.They cover:✅ Avoiding probate – How a living trust helps you bypass the costly and time-consuming probate process.✅ Asset control – Why a trust gives you more control over distributions while you're alive.✅ Privacy protection – Unlike a will, which becomes public record, a trust keeps your estate matters private.✅ Protecting beneficiaries – How to set up special needs trusts and safeguard assets from creditors.✅ Common estate planning mistakes – What happens when people assume telling a child their wishes is enough.The Hollands also debunk the biggest misconception about trusts: that they are only for the ultra-wealthy. They explain why the "Millionaire Next Door"—anyone with real estate, investments, or multiple assets—can benefit from a trust.If you have questions about wills, trusts, or how to structure your financial future, contact the Holland Group Retirement Wealth Advisors at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to address the top concerns retirees face, from financial insecurity to rising healthcare costs, inflation, and market volatility.They break down:Will I have enough to retire? – Why even those with millions still worry about running out of money.Healthcare costs – How rising medical expenses and long-term care planning impact your financial future.Inflation – The hidden threat to retirement savings and how to keep your money working for you.Market volatility – Smart strategies to protect your investments from extreme swings.Social Security & Tax Planning – Why relying solely on Social Security is risky and how tax-smart planning can save you thousands.The Hollands also debunk misleading financial advice from online sources and discuss how to choose a trustworthy financial advisor, avoiding hidden fees, and protecting your retirement nest egg.For a complimentary investment and retirement plan built for your financial security, call (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to tackle some of the biggest myths in retirement planning and discuss whether Florida is still the top choice for retirees.They break down common financial myths, including the 4% rule, the belief that Social Security is running out, and the idea that long-term care insurance is the only option for healthcare planning.  The Hollands explain why rigid rules don’t work for everyone and how a customized financial strategy is key to long-term success.Then, they dive into a surprising shift—retirees bypassing or even leaving Florida due to soaring insurance costs, extreme weather, and rising home prices.  Find out which states top the 2025 list for ideal retirement destinations in the U.S. Whether you're planning to retire in Florida or relocate, the Hollands provide strategies to create reliable retirement income, integrate tax planning, and ensure long-term financial security.For expert retirement planning tailored to your needs, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, MJ Schnitt joins Steve and Elizabeth Holland to discuss WalletHub’s latest ranking of the best and worst states for retirement in 2025. The trio breaks down key factors such as tax rates, healthcare access, and overall affordability to help retirees make informed decisions about where to settle. Florida once again earns a top spot, but how does it compare to other states on the list? Plus, they dive into retirement planning strategies, Social Security concerns, and how to create a reliable retirement income stream.For expert retirement planning tailored to your needs, contact the Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, Steve and Elizabeth Holland, alongside MJ Schnitt, break down essential tax strategies for high-income earners. They discuss maximizing retirement contributions, tax-efficient investments, tax-loss harvesting, and charitable giving—all crucial components of a well-rounded financial plan.Learn how to optimize your tax situation, reduce liabilities, and build a more secure retirement with proactive strategies tailored for every income level.For personalized retirement planning, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, Steve and Elizabeth Holland, alongside host Todd Schnitt, discuss the most common retirement income mistakes and how to avoid them. They highlight key financial pitfalls, such as selling assets in a down market, failing to plan for drawdowns, and mismanaging Social Security benefits.The conversation also covers how adjusting investment allocations, maintaining a tax-efficient withdrawal strategy, and planning ahead for required minimum distributions (RMDs) can help ensure a secure retirement. With over 30 years of experience, the Holland Group Retirement Wealth Advisors provide expert insights on creating inflation-adjusted, tax-advantaged retirement plans to help you make the rest of your life, the best of your life!To schedule a complimentary consultation, call (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Steve and Elizabeth Holland, along with host Todd Schnitt, discuss key financial moves for individuals transitioning to a new job in 2025, including managing old 401(k)s, understanding employer retirement benefits, and maintaining a strong retirement savings strategy. They also break down major Social Security changes in 2025, covering cost-of-living adjustments (COLA), tax implications, and updates to full retirement age (FRA), while analyzing how these modifications impact both retirees and current workers. 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—because that is the goal, and the only acceptable outcome. To schedule a complimentary consultation, call (727) 295-3451 or visit AskTheHollands.com.