The Income Architect: Closing the Gap Between What You Own and What You Think You Own

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 [phone], or visit AskTheHollands.com to schedule a discovery call at your convenience.