The Holland Group Retirement Wealth Advisors' Podcast Podcast Por "Retirement Success!" Podcast arte de portada

The Holland Group Retirement Wealth Advisors' Podcast

The Holland Group Retirement Wealth Advisors' Podcast

De: "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 Economía Finanzas Personales
Episodios
  • 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 m
  • 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 m
  • The Grandparent Playbook: Launching the Next Generation

    The Grandparent Playbook: Launching the Next Generation
    Dec 29 2025
    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 Points
    • The 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.
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    53 m
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