『The Holland Group Retirement Wealth Advisors' Podcast』のカバーアート

The Holland Group Retirement Wealth Advisors' Podcast

The Holland Group Retirement Wealth Advisors' Podcast

著者： "Retirement Success!" Podcast
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概要

 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 個人ファイナンス 経済学
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  • Why Do So Many Top Mutual Funds Own the Exact Same Companies?

    Why Do So Many Top Mutual Funds Own the Exact Same Companies?
    2026/02/22
    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.
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    53 分
  • The 2026 Retirement Roadmap: 5 Tips to Bulletproof Your Future

    The 2026 Retirement Roadmap: 5 Tips to Bulletproof Your Future
    2026/01/23
    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 分
  • 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
    2026/01/16
    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 分
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