『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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  • Your Biggest Retirement Risk Might Be You: The Costly Mistakes Investors Make

    Your Biggest Retirement Risk Might Be You: The Costly Mistakes Investors Make
    2026/10/04
    Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.Market downturns, inflation, elections, interest rates, and financial headlines can all create uncertainty for retirees. But what if the biggest threat to your retirement isn't the market itself — but how you react to it?In this episode of Retirement Success, Steve and Elizabeth Holland break down the behavioral mistakes that can quietly damage a retirement portfolio. From panic selling and market timing to herd mentality, overconfidence, recency bias, and procrastination, they explain why even intelligent investors can make costly decisions when emotions take over.

    The episode follows the story of “Gary,” a pre-retiree who panics during a major market decline, sells everything, and then struggles with the even harder question: When should he get back in?In this episode, you’ll learn:

    • Why emotional decisions can create more damage than a market downturn itself
    • What the “behavior gap” is and how investor timing can affect actual returns
    • Why selling during a market decline can create a second, potentially bigger problem
    • Why successful market timing requires getting two decisions right — when to get out and when to get back in
    • How fear, FOMO, and uncertainty can influence investment decisions
    • Why financial headlines can lead to recency bias and poor investment choices
    • How herd mentality can cause investors to chase investments after prices have already risen
    • Why overconfidence can be one of the biggest risks to your retirement wealth
    • How procrastination can cause investors to miss important tax and planning opportunities
    • Why tax planning, beneficiary reviews, and portfolio reviews should be ongoing
    • Why having a written retirement plan can help you stay focused when markets become volatile

    The Hollands also discuss tax planning, Roth conversions, RMDs, Social Security taxation, Medicare-related costs, beneficiary reviews, and why retirement planning needs to account for more than just investment returns.The goal isn't to pretend you will never feel nervous when markets fall. It's to have a plan that keeps temporary emotions from turning into permanent retirement mistakes.

    To schedule a complimentary, no-obligation discovery call with The Holland Group Retirement Wealth Advisors:
    📞 727-228-6449
    🌐 askthehollandgroup.com
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    53 分
  • Is Your Financial Advisor Really on Your Team? 5 Questions Every Retiree Should Ask

    Is Your Financial Advisor Really on Your Team? 5 Questions Every Retiree Should Ask
    2026/10/04
    Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

    Is your financial advisor really working in your best interest? Or are you simply getting investment management without a complete retirement plan?

    In this episode of Retirement Success, Steve and Elizabeth Holland break down what retirees and pre-retirees should understand before choosing or continuing to work with a financial advisor. From fiduciary responsibility and advisor compensation to taxes, retirement income, market risk, and succession planning, they explain why asking the right questions can make a major difference in your retirement strategy.

    The conversation also explores why even smart investors can make emotional decisions during market volatility, why investment management is not the same as retirement planning, and why your advisor should have a process in place before the next major market decline.In this episode, you’ll learn:

    • What fiduciary responsibility really means and how it differs from Regulation Best Interest
    • Why you should understand exactly how your financial advisor is compensated
    • The difference between investment management and comprehensive retirement planning
    • Why tax planning should be part of your retirement strategy
    • How emotional investing can lead to buying high and selling low
    • Why retirement requires a different approach than simply accumulating wealth
    • What questions to ask about your advisor’s succession and backup plan
    • How your retirement strategy should respond to a major market decline
    • Why understanding fees in actual dollars matters
    • When getting a second opinion may be worth considering
    • Five important questions to ask before choosing a financial advisor

    Steve and Elizabeth also discuss RMDs, Roth conversions, Social Security taxation, Medicare premiums, withdrawal strategies, and the importance of having a written retirement income plan.

    Your retirement is about more than an account balance. Make sure the person helping you manage it understands the bigger picture.

    To schedule a complimentary, no-obligation discovery call with The Holland Group Retirement Wealth Advisors:
    📞 727-228-6449
    🌐 askthehollandgroup.com
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    53 分
  • Why Generic Retirement Rules Could Cost You: The Retirement Plan That Fits Your Life

    Why Generic Retirement Rules Could Cost You: The Retirement Plan That Fits Your Life
    2026/10/04
    Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

    Retirement planning isn’t a one-size-fits-all formula. Rules like the 80% income rule, the 4% rule, or a traditional 60/40 portfolio may sound simple, but your retirement is unique—and your financial plan should be too.

    In this episode of Retirement Success, Steve and Elizabeth Holland explain why generic retirement guidelines can fall short and why your spending, taxes, health, longevity, inflation, and income needs all need to be considered when building a retirement strategy.

    The conversation explores how retirement spending can actually increase during the early “go-go years,” why expenses may change as you move into the “slow-go” and “no-go” years, and why planning for a longer retirement can make a major difference.

    Steve and Elizabeth also discuss the tax challenges retirees can face, including Social Security taxation, IRMAA Medicare surcharges, tax-efficient withdrawals, and the importance of managing taxable income throughout retirement. They explain why having $100,000 available in an IRA does not necessarily mean you have $100,000 available to spend.

    The episode also looks at longevity and inflation, and why a retirement plan needs to remain sustainable if you live into your 90s or beyond. The Hollands explain the difference between accumulating wealth and distributing it in retirement—and why transitioning from saving money to creating reliable retirement income requires a completely different strategy.In this episode you’ll learn:

    • Why the 80% retirement income rule may not fit your lifestyle
    • How retirement spending can change throughout the “go-go,” “slow-go,” and “no-go” years
    • Why retirement spending may actually increase during the early years
    • How taxes can affect the amount of retirement income you can actually spend
    • What Social Security taxation and IRMAA can mean for retirees
    • Why longevity and inflation need to be built into your retirement plan
    • The difference between accumulating wealth and distributing it
    • Why leaving your 401(k) behind after retirement may deserve a closer look
    • How sequence-of-returns risk can impact retirement income
    • Why predictable income should be separated from long-term growth assets
    • How the order of your retirement withdrawals can affect your tax efficiency
    • Why every retirement plan should be customized to the individual

    Retirement isn’t about following the average. It’s about creating a plan that fits your life, your goals, and the retirement you actually want to live.If you’ve saved $100,000 or more for retirement and want a second opinion on your current strategy, contact The Holland Group Retirement Wealth Advisors for a complimentary retirement planning conversation.

    📞 727-228-6449
    🌐 askthehollandgroup.com

    The Holland Group Retirement Wealth Advisors has been helping families plan for and through retirement for more than 30 years.
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    53 分
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