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

    The Rule of Three: How Segmenting Your Wealth Can Stop Retirement Panic
    2026/01/09
    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 分
  • The Grandparent Playbook: Launching the Next Generation

    The Grandparent Playbook: Launching the Next Generation
    2025/12/29
    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 分
  • Building an Unshakable Foundation: The Three Pillars of Financial Confidence

    Building an Unshakable Foundation: The Three Pillars of Financial Confidence
    2025/12/12
    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 Points
    • Pillar 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.
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    54 分
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