『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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今ならプレミアムプランが3カ月 月額99円

2026年5月12日まで。4か月目以降は月額1,500円で自動更新します。

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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  • The New Retirement Reality: Planning for Longevity, Taxes & Income

    The New Retirement Reality: Planning for Longevity, Taxes & Income
    2026/04/19
    This episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they dive into what can only be described as the new retirement reality.

    People are living longer than ever—and while that sounds like great news, it also means your retirement savings now need to last 25, 30, or even 40 years. In this episode, the Hollands break down why longevity is both a blessing and a financial risk, and how outdated retirement strategies can leave you vulnerable in today’s environment.

    From longevity risk and rising healthcare costs to Social Security timing and tax-efficient withdrawal strategies, this conversation highlights the real challenges retirees face—and how to plan for them the right way.

    If you want to make sure you don’t outlive your money and avoid costly financial missteps, this is an episode you don’t want to miss.

    •The New Retirement Reality: Why retirement is no longer 10–15 years—and how longer lifespans are changing everything about financial planning.
    •Longevity Risk Explained: The #1 fear retirees face—outliving their money—and why this concern affects everyone, regardless of portfolio size.
    •The Social Security Gap: Why Social Security typically replaces only about 40% of your income—and how that leaves a major gap you must plan for.
    •Timing Matters: How claiming Social Security too early can permanently reduce your benefits—and why delaying could significantly increase your lifetime income.
    •The Hidden Impact of Taxes: Why taxes can quietly erode your retirement savings—and how poor withdrawal strategies can cost you 20–30% more than necessary.
    •Sequence of Returns Risk: Why market downturns early in retirement can have long-term consequences—even if the market eventually recovers.
    •Healthcare & Inflation Pressures: How rising costs can reduce your purchasing power over time—and why planning for these expenses is critical.
    •The Power of Income Planning: How structuring your retirement into income segments can help create stability, flexibility, and long-term sustainability.
    •Avoiding Emotional Decisions: Why having a clear, structured plan helps you stay on track—even during market volatility.
    •Turning Longevity Into Opportunity: How the right strategy allows you to enjoy more time with family, travel, and experiences—without financial stress.

    If you’ve been planning for retirement based on outdated assumptions, now is the time to rethink your strategy. This episode will help you build a plan designed not just to get you to retirement—but to carry you through it with confidence.
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    53 分
  • The “Healthcare Heist”: How Medical Costs & Long-Term Care Can Quietly Derail Your Retirement

    The “Healthcare Heist”: How Medical Costs & Long-Term Care Can Quietly Derail Your Retirement
    2026/04/19
    Hosted by Todd “MJ” Schmidt, this episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they uncover one of the most underestimated threats to your retirement plan—healthcare costs.

    While many retirees focus on market performance and investment returns, far fewer prepare for the rising and often unpredictable cost of healthcare. In this episode, the Hollands explain why healthcare is the “silent thief” that can quietly erode your savings—and how proper planning can help you stay protected.

    From breaking down the true cost of healthcare in retirement to navigating Medicare decisions and long-term care strategies, this conversation turns complex topics into clear, actionable insights. If you want to avoid costly surprises and build a retirement plan that truly lasts, this episode is a must-listen.
    • Why Healthcare Is the Real Retirement Risk: Why healthcare—not market volatility—is often the biggest threat to your financial future.
    • The True Cost of Retirement Healthcare: How a typical retired couple may need over $170,000—and why that number feels less overwhelming when properly planned
    • Breaking Down the “Healthcare Iceberg”: Understanding how small, ongoing costs add up over time instead of hitting all at once.
    • Medicare Decisions That Matter: The difference between paying more now vs. risking higher costs later—and how timing impacts lifelong penalties.
    • The Long-Term Care Reality: Why 70% of retirees will need some form of long-term care—and how costs can exceed $10,000 per month.
    • The Emotional & Financial Impact: How lack of planning can affect not just your finances—but your spouse and family as well.
    • Smarter Long-Term Care Strategies: How hybrid policies can provide coverage while still protecting your legacy if care isn’t needed.
    • The Power of a Written Plan: Why “guessing” isn’t a strategy—and how a structured retirement plan can help you prepare for the unexpected.
    • Hidden Tax Advantages in Healthcare Planning: How tools like Health Savings Accounts (HSAs) can provide powerful tax benefits when used correctly.
    • Why Most Plans Fall Short: The common gaps in retirement plans—and how overlooking healthcare can put everything at risk.

    If you’ve spent years building your retirement savings but haven’t planned for healthcare costs, you could be leaving your future exposed. This episode shows you how to take control, reduce uncertainty, and build a retirement plan that accounts for life’s biggest unknowns.

    📞 Have questions or want a second opinion? Call: 727-228-6449
    🌐 Learn more or schedule a discovery call: https://askthehollands.com
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    54 分
  • How to Create Tax-Free Income in Retirement (and Avoid Costly Tax Mistakes)

    How to Create Tax-Free Income in Retirement (and Avoid Costly Tax Mistakes)
    2026/04/05
    Hosted by Todd “MJ” Schmidt, this episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they break down one of the most overlooked—but most important—parts of retirement planning: TAXES.

    While many retirees focus on growing their savings, far fewer understand how taxes can significantly impact how much of that money they actually get to keep. In this episode, the Hollands explain why taxes may be your biggest expense in retirement—and how creating tax-free income streams can help protect your wealth, reduce long-term tax liability, and give you more control over your financial future. From Roth IRA strategies and Roth conversions to Required Minimum Distributions (RMDs), Social Security taxation, and Medicare premium surprises, this conversation simplifies complex topics into real, actionable insights. If you want to keep more of your hard-earned money and avoid costly mistakes, this episode is a must-listen.
    • Why Taxes Matter More Than Ever: How taxes can become your largest expense in retirement—and why most people underestimate their long-term impact.
    • The Power of Tax-Free Income: Why Roth IRAs and tax-free strategies are so valuable—and how paying taxes now could save you significantly in the future.
    • Roth Conversions Made Simple: A clear breakdown of how converting from tax-deferred accounts to tax-free accounts works—and why timing and strategy are critical.
    • The “Tax Time Bomb” Problem: Why having 70–90% of your savings in tax-deferred accounts (like IRAs and 401(k)s) could expose you to higher taxes later.
    • Big Mistakes to Avoid: From paying taxes the wrong way to converting too much at once, the Hollands explain common pitfalls that can cost you thousands over time.
    • RMDs and Hidden Tax Traps: How Required Minimum Distributions can push you into higher tax brackets—and what you can do to plan ahead.
    • Social Security & Medicare Surprises: Why up to 85% of your Social Security can be taxed—and how poor planning can increase your Medicare premiums (IRMAA).
    • Why Tax Planning Isn’t Optional: The difference between tax preparation and proactive tax planning—and why a long-term strategy is essential for retirement success.
    • Building a Complete Retirement Plan: Why your investment strategy and tax strategy must work together to create sustainable, predictable income in retirement.
    If you’ve spent years building your retirement savings but haven’t built a strategy to manage taxes, you could be leaving a significant portion of your wealth at risk. This episode shows you how to take control, reduce your tax burden, and create a more secure, tax-efficient retirement.
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    54 分
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