The Rule of Three: How Segmenting Your Wealth Can Stop Retirement Panic

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