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  • Where Will Your Retirement Paycheck Come From? Creating Income That Lasts a Lifetime

    Where Will Your Retirement Paycheck Come From? Creating Income That Lasts a Lifetime
    2026/07/11
    Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

    Retirement isn't just about building wealth—it's about turning that wealth into a dependable paycheck that lasts for the rest of your life. In this episode of Retirement Success, Steve and Elizabeth Holland explore one of the biggest challenges retirees face: replacing the steady paycheck they've relied on for decades with a sustainable retirement income strategy.

    Using real-world examples, they explain why having a large retirement account doesn't automatically mean you'll feel financially secure. The discussion covers the growing "retirement income gap," why the traditional 4% withdrawal rule may no longer fit today's economic landscape, and how retirees can create reliable monthly income while still protecting long-term growth.

    The Hollands also introduce their three-segment income strategy, discuss how certain retirement income solutions can help create a personal pension, and explain why confidence in retirement comes from having a plan—not simply accumulating assets.

    Whether you're preparing to retire in the next few years or you're already living in retirement, this episode offers practical strategies to help you enjoy your savings with greater confidence and peace of mind.

    In this episode you'll learn:

    * Why the biggest question in retirement isn't how much you've saved—but where your next paycheck will come from.
    • How to identify and close your personal retirement income gap.
    • Why the traditional 4% withdrawal rule may no longer be the best strategy for today's retirees.
    • The risks of withdrawing investment assets during market downturns and how proper income planning can help reduce that risk.
    • The Holland Group's three-segment income strategy for balancing essential expenses, lifestyle spending, and long-term growth.
    • How creating your own personal pension can provide dependable lifetime income as part of a diversified retirement plan.
    • Why inflation, taxes, and longevity should all be considered when building a retirement income strategy.
    • The importance of balancing liquidity, growth, and safety within your retirement portfolio.
    • How the right retirement plan can help replace financial anxiety with confidence and allow you to enjoy the retirement you've worked so hard to achieve.

    A successful retirement isn't measured by the size of your portfolio—it's measured by the confidence that your income will support the life you want to live. This episode shows how thoughtful retirement income planning can help make that possible.
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    53 分
  • The Retirement Scam Crisis: How AI, Crypto & Fraudsters Are Targeting Retirees in 2026

    The Retirement Scam Crisis: How AI, Crypto & Fraudsters Are Targeting Retirees in 2026
    2026/06/29
    Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

    Financial scams are evolving at an alarming pace—and retirees are increasingly becoming the primary targets. In this eye-opening episode of Retirement Success, Steve and Elizabeth Holland reveal the latest scams affecting Americans in 2026 and explain why even intelligent, financially savvy individuals are falling victim.From AI-generated voice cloning and fake grandchild emergencies to fraudulent bank security alerts, tech support scams, cryptocurrency investment fraud, romance scams, government impersonation schemes, and Bitcoin ATM scams, the Hollands break down how these criminals manipulate emotions, exploit trust, and use urgency to steal retirement savings that took decades to build.More importantly, they share practical strategies every retiree and family should implement immediately—from creating family safe words and verifying emergency calls to protecting personal information online and recognizing the warning signs before it's too late.Whether you're approaching retirement or already retired, this episode provides essential guidance to help safeguard your financial future in today's increasingly sophisticated digital world.In this episode you'll learn:
    • Why retirees and pre-retirees have become the #1 target for today's financial scammers.
    • How AI voice cloning can impersonate your children or grandchildren in fake emergency calls.
    • The psychology scammers use—fear, urgency, and emotional manipulation—to bypass logical thinking.
    • How fake bank fraud departments convince victims to move money into "safe accounts."
    • The warning signs of tech support scams and why you should never allow remote access to your computer.
    • How romance scams and "wrong number" text messages lead victims into fraudulent cryptocurrency investments.
    • The rise of government impersonation scams involving the IRS, FBI, DEA, and other agencies.
    • Why Bitcoin ATM scams have exploded and how criminals use them to steal retirement savings.
    • Practical cybersecurity habits every retiree should adopt to better protect their finances.
    • How proactive retirement planning includes protecting not only your investments—but also your financial security from modern fraud.
    Protecting your retirement isn't just about growing your wealth—it's also about preventing it from falling into the wrong hands. This episode offers valuable insights every family should hear.
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    53 分
  • Greed & Fear: The Two Emotions That Can Destroy Retirement Success

    Greed & Fear: The Two Emotions That Can Destroy Retirement Success
    2026/05/30
    Hosted by Todd “MJ” Schmidt, this episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they pull back the curtain on their brand-new book, Greed and Fear: Conquer Both for Retirement Success.

    After more than three decades of helping retirees navigate market cycles, economic uncertainty, and life-changing financial decisions, the Hollands have identified two powerful emotions that drive many of the biggest retirement mistakes: greed and fear.

    In this episode, they explain how chasing returns, reacting to market headlines, avoiding investment risk, and making emotional decisions can quietly derail even the most carefully built retirement plan. From the dot-com crash and market volatility to retirement income planning, hidden fees, taxes, healthcare costs, and legacy planning, this conversation explores the real challenges retirees face—and how to overcome them with a disciplined strategy.

    In This Episode:
    • Why greed and fear are often the biggest threats to retirement success
    • How emotional investing can lead to costly financial mistakes
    • The dangers of chasing market returns late in your career
    • Why keeping too much money in cash can quietly erode purchasing power
    • Lessons from the dot-com crash and other major market downturns
    • Why retirement is about income—not just account balances
    • The importance of managing sequence-of-returns risk in retirement
    • How market volatility affects retirees differently than younger investors
    • The hidden impact of fees, expenses, and investment complexity
    • Why transparency matters when evaluating financial advice
    • The role taxes play in a comprehensive retirement strategy
    • Healthcare costs, inflation, and the challenge of living longer
    • Estate planning essentials every family should understand
    • How to create confidence, stability, and purpose throughout retirement
    • Key insights from the Hollands’ new book, Greed and Fear: Conquer Both for Retirement Success.

    Whether you're approaching retirement, already retired, or simply want to make smarter financial decisions, this episode offers valuable lessons on avoiding emotional mistakes and building a retirement strategy designed to last.
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    53 分
  • The Social Security Timing Mistake That Could Cost You Hundreds of Thousands

    The Social Security Timing Mistake That Could Cost You Hundreds of Thousands
    2026/05/24
    Hosted by MJ “Todd” Schmidt together with Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors, this episode of Retirement Success dives into one of the biggest—and most overlooked—retirement decisions people face: when to claim Social Security.

    Many retirees claim Social Security too early without fully understanding how that decision can permanently reduce their lifetime income. In this episode, Steve and Elizabeth explain why timing matters, how delaying benefits can significantly increase your retirement paycheck, and why there’s no “one-size-fits-all” strategy when it comes to Social Security planning.

    In this episode, they discuss:

    • Why claiming Social Security at 62 versus 70 can create a massive difference in lifetime income
    • How delaying benefits could increase your Social Security check by more than 75%
    • Why there’s no universal strategy for claiming Social Security
    • The emotional and financial mistakes people make when claiming benefits too early
    • How health concerns, longevity, and job loss affect Social Security decisions
    • The “Delayer’s Advantage” and guaranteed 8% annual growth until age 70
    • Spousal and survivor benefit strategies that can protect household income
    • Hidden tax planning opportunities between ages 62–70
    • How market downturns can impact retirement income strategies
    • Why Social Security planning should work alongside tax, investment, and estate planning
    • The importance of working with retirement income specialists—not just general advisors
    • Common Social Security mistakes that can quietly cost retirees hundreds of thousands of dollars

    If you’re approaching retirement and wondering when to take Social Security, this episode provides critical insights to help you avoid costly mistakes, maximize your income, and build a stronger retirement plan.

    📞 Call today for a complimentary retirement review: 727-228-6449
    🌐 askthehollands.com
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    53 分
  • The Social Security Timing Puzzle: Claim Early or Wait and Risk Six-Figure Mistakes

    The Social Security Timing Puzzle: Claim Early or Wait and Risk Six-Figure Mistakes
    2026/05/10
    Most people spend more time picking a TV than deciding when to take Social Security… but that one decision could impact your retirement income by six figures or more.
    In this week’s episode of Retirement Success, Steve and Elizabeth Holland break down the Social Security timing puzzle and discuss:

    ✅ Why claiming Social Security at 62 vs. waiting until 70 can drastically change your lifetime income
    ✅ How the 8% annual increase after full retirement age actually works
    ✅ Why there is no “one-size-fits-all” claiming strategy
    ✅ The importance of spousal coordination in maximizing household benefits
    ✅ How longevity and break-even age factor into the decision
    ✅ Why market risk and withdrawals can impact early retirement timing
    ✅ Common mistakes people make when making Social Security decisions in isolation

    If you’ve ever wondered:
    ➡️ “Am I taking Social Security too early?”
    ➡️ “Should I wait until 70 or start now?”
    ➡️ “How does this fit into my overall retirement plan?”

    This episode is for you.


    📞 Call today for a complimentary retirement income review: 727-228-6449
    🌐 askthehollands.com

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    53 分
  • What happens when your 401(k) becomes your paycheck in retirement?

    What happens when your 401(k) becomes your paycheck in retirement?
    2026/05/10
    In this episode of Retirement Success, Steve and Elizabeth Holland break down one of the biggest retirement realities facing Americans today: only a small percentage of workers still have traditional pensions — meaning your retirement income strategy matters more than ever.

    Steve, Elizabeth, and Todd MJ Schmidt discuss:
    ✔️ The biggest mistakes people make with their 401(k)s
    ✔️ Why retirement requires a completely different strategy than accumulation years
    ✔️ Sequence of returns risk and how market downturns can permanently impact retirement income
    ✔️ How taxes, inflation, and required minimum distributions (RMDs) affect your future
    ✔️ The importance of creating a sustainable income plan
    ✔️ Why “a million dollars” in a 401(k) may not actually be yours after taxes
    ✔️ How to create your own personal pension strategy
    ✔️ The role of tax planning in retirement success
    ✔️ Real-life retirement concerns including divorce, widowhood, downsizing, and lifestyle spending

    The Holland Group Retirement Wealth Advisors explains why retirement planning is about more than investing — it’s about building a strategy designed to protect your lifestyle for decades to come.

    📞 Schedule your complimentary retirement income review today: 727-228-6449

    🌐 Visit: askthehollands.com
    📺 Watch Retirement Success Sundays at 11:30 AM on Channel 10.
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    53 分
  • 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