The Holland Group Retirement Wealth Advisors' Podcast
Business & Finance
About
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.
Episodes
- The Social Security Timing Puzzle: Claim Early or Wait and Risk Six-Figure Mistakes
This episode of Retirement Success by The Holland Group discusses the Social Security timing puzzle. It covers the financial implications of claiming early versus waiting, the mechanics of annual increases, spousal coordination, and common…
- What happens when your 401(k) becomes your paycheck in retirement?
This episode of The Holland Group Retirement Wealth Advisors' Podcast discusses the shift from traditional pensions to 401(k)s as primary retirement income. It covers strategies for managing 401(k)s, including tax planning, understanding m…
- The New Retirement Reality: Planning for Longevity, Taxes & Income
Steve and Elizabeth Holland discuss the challenges of modern retirement, emphasizing the need for updated strategies to account for increased longevity. They cover topics such as longevity risk, Social Security planning, tax implications,…
- The “Healthcare Heist”: How Medical Costs & Long-Term Care Can Quietly Derail Your Retirement
This episode discusses how healthcare costs, including long-term care and Medicare, can significantly impact retirement plans. The Holland Group explains strategies to prepare for these expenses and avoid financial risks.
- How to Create Tax-Free Income in Retirement (and Avoid Costly Tax Mistakes)
This episode of Retirement Success, hosted by Todd “MJ” Schmidt, features Steve and Elizabeth Holland discussing the importance of tax planning in retirement. They explain how taxes can be a major expense, the benefits of tax-free income s…
- How to Protect Your Retirement in Times of Economic and Political Uncertainty
This episode of Retirement Success discusses how political chaos and economic instability can affect retirement planning. It emphasizes the importance of a personalized strategy and trusted guidance from advisors like The Holland Group to…
- The Ghostwriter Trap: Why Your "Free" Will Could Be a Costly Nightmare
Steve and Elizabeth Holland discuss the risks of "ghostwritten" wills and DIY estate planning, highlighting issues like the "incapacity gap," failure to fund trusts, and inadequate asset protection. They explain why professional legal advi…
- Why You Need a Retirement Plan During Uncertain Economic and Political Times
MJ Schnitt discusses with Steve and Elizabeth Holland the importance of having a solid, personalized retirement strategy amidst global uncertainty, economic instability, and market volatility. The episode emphasizes protecting accumulated…
- The Sustainability Secret: 5 Strategies to Outlive Your Savings
This episode of The Holland Group Retirement Wealth Advisors
- Why Do So Many Top Mutual Funds Own the Exact Same Companies?
This episode of The Holland Group Retirement Wealth Advisors
- The 2026 Retirement Roadmap: 5 Tips to Bulletproof Your Future
This episode of The Holland Group Retirement Wealth Advisors
- The Income Architect: Closing the Gap Between What You Own and What You Think You Own
The Holland Group Retirement Wealth Advisors podcast episode, 'The Income Architect,' features Todd Schnitt, Steve Holland, and Elizabeth Holland discussing the transition of retirement risk to individuals. They advocate for proactive 'inc…
- The Rule of Three: How Segmenting Your Wealth Can Stop Retirement Panic
This episode of The Holland Group Retirement Wealth Advisors' Podcast discusses the 'Risk Perception Gap' and how wealth segmentation can prevent retirement panic. Hosts explore strategies like Reversed Dollar-Cost Averaging and a three-se…
- The Grandparent Playbook: Launching the Next Generation
Hosts Steve and Elizabeth Holland, with guest Todd M.J. Schnitt, discuss the "Education Launchpad" on The Holland Group Retirement Wealth Advisors' Podcast. They cover strategies for grandparents to financially support their families, incl…
- Building an Unshakable Foundation: The Three Pillars of Financial Confidence
This episode of The Holland Group Retirement Wealth Advisors' Podcast covers three essential pillars for retirement financial confidence: proactive Tax Planning, balancing Investment Risk for preservation, and creating Sustainable Income s…
- Protecting Your Nest Egg: Mastering Tax-Efficient Asset Disposal
This episode discusses tax-efficient asset disposal strategies for retirement, focusing on minimizing IRS obligations. Key topics include managing retirement account taxes, Roth conversions, strategies for real estate and business sales, u…
- Navigating "The Great Tax Storm": Why Roth Conversions Matter Now
This episode discusses Roth conversions as a strategy to mitigate future tax increases during retirement planning. Hosts Steve and Elizabeth Holland explain how conversions work, potential benefits like avoiding RMDs and aiding heirs, and…
- Living Longer and Planning Wiser
This episode covers the financial implications of increased longevity, the shift in retirement planning structures, and strategies to manage risks like inflation and healthcare costs. It highlights the importance of delaying Social Securit…
- Building a Partnership for Retirement Success
This episode discusses the importance of a partnership with a financial advisor for retirement success. Key points include aligning investments with risk tolerance, the necessity of comprehensive planning beyond stocks, prioritizing transp…
- Retirement Income Strategies: Beyond the 4% Rule
This episode discusses modern retirement income strategies, emphasizing the need to move beyond outdated rules like the 4% withdrawal rate. It introduces a three-part wealth segmentation framework and a tax-aware approach to generating sus…
- Unlocking Hidden Potential in Your Retirement Accounts
This episode discusses moving beyond basic IRA and 401(k) management to actively control risk, fees, and taxes for a sustainable retirement income. It covers creating a personal pension, managing withdrawal risks, utilizing catch-up contri…
- Building Your Financial Fortress
This episode discusses building a "Financial Fortress" to safeguard retirement savings from market downturns, healthcare expenses, and taxes. It covers income-first strategies, cash buffers, and legal steps to protect assets.
- The Government Shutdown - This one is time sensitive, so don't miss it!
This episode discusses the financial and personal effects of government shutdowns, recommending a larger cash buffer (12-18 months of expenses) for financial security. It also covers potential delays in government services and the impact o…
- From Savings Bucket to Retirement Engine: How to Build Your Own Personal Pension
Steve and Elizabeth Holland, with co-host Todd MJ Schnitt, discuss shifting retirement planning from saving accumulation to income generation. They cover pitfalls of target-date funds, inflation's impact, building a personal pension using…
- Retirement Success: Navigating Tariffs and Market Volatility
This episode of Retirement Success discusses how tariffs and geopolitical events affect retirement portfolios, emphasizing the need for defensive strategies and diversified investments. Hosts Steve and Elizabeth Holland and Todd "MJ" Schni…
- The Retirement Marathon: Planning for the Long Haul
This episode discusses retirement planning as a long-term marathon, emphasizing strategies to address longevity, avoid unproductive savings, categorize expenses, and maximize Social Security benefits for a secure retirement.
- Your Retirement Has Three Seasons: Are You Prepared for Each One?
This episode introduces a three-season retirement framework: Active, Settled, and Care. It emphasizes planning for spending shifts, healthcare costs, and the importance of a customized financial plan with The Holland Group.
- The "One Big, Beautiful Bill": Its Crucial Implications for YOUR Financial Future
The Holland Group Retirement Wealth Advisors podcast episode details the "One Big, Beautiful Bill," highlighting its tax benefits like permanent 2017 tax cuts and new deductions, while also noting Medicaid cuts and work requirements. They…
- Unmasking Hidden Retirement Risks: What Your Advisor May Not Tell You
This episode of Retirement Success discusses hidden retirement planning risks, such as sequence of returns risk, and how The Holland Group addresses them with a transparent, fiduciary approach to build resilient portfolios.
- Future-Proofing Your Long Life: Navigating Longevity, Health Costs, and Smart Investing
This episode discusses adapting retirement strategies for increased longevity, covering market risks like sequence of return risk, healthcare and long-term care costs, and proactive tax planning. The Holland Group emphasizes their fiduciar…
- Mind Over Markets: Your Blueprint for Retirement Success
This episode discusses the changing retirement landscape, emphasizing the need for DIY 401(k)s due to dwindling pensions and continuous market volatility. It highlights planning for longevity, hidden costs like long-term care, and modern r…
- Future-Proof Your Nest Egg: Smart Moves for Retirement!
Steve and Elizabeth Holland, joined by Todd Schnitt, discuss essential retirement planning topics. They emphasize the need for a customized, written income plan, understanding investments, managing risk, and seeking financial guidance to a…
- Make Your Money Last: 5 Ways to Secure Your Retirement Future
Steve and Elizabeth Holland discuss five strategies to ensure retirement funds last longer, addressing increased life expectancies and inflation. Key takeaways include longevity planning, the benefits of part-time work, optimizing Social S…
- Unveiling Retirement Truths: Beat the Odds and Secure Your Future!
Steve and Elizabeth Holland, with guest Todd Schnitt, discuss strategies for navigating retirement finances. They cover protecting savings from policy changes, adapting investments to market volatility, and understanding inflation's impact…
- Retirement Myths That Could Cost You Big!
Steve and Elizabeth Holland, joined by Todd “MJ” Schnitt on The Holland Group Retirement Wealth Advisors' Podcast, discuss and debunk persistent financial myths that could jeopardize retirement. They cover topics like the 4% rule, Social S…
- The Most Dangerous Retirement Advice We Hear Every Day
The Holland Group podcast episode discusses how retirement rules have changed, impacting pensions, 401(k)s, market volatility, longevity, debt, and taxes. Hosts Steve and Elizabeth Holland and guest Todd Schnitt explain the need for a new…
- From Confused to Confident: Building a Smarter Retirement Plan
Steve and Elizabeth Holland, with guest Todd “MJ” Schnitt, discuss common retirement planning mistakes and offer insights on adapting financial plans, understanding fees, estate planning, asset allocation, and maximizing contributions. The…
- What Retirees Wish They Knew Sooner
Retirement advisors discuss common regrets and overlooked strategies for retirees, emphasizing the importance of fiduciary advisors, understanding 401(k) limitations, avoiding hidden fees, and comprehensive estate and retirement planning.
- Legacy, Taxes & the Retirement Puzzle: Estate Planning the Right Way
This episode discusses the importance of estate planning beyond just a will, covering potential 2026 tax changes, the risks of probate, and strategies like stepped-up basis and gifting. It emphasizes updating plans and working with fiducia…
- Planning Through Uncertainty: The Retirement Blueprint That Works
Steve and Elizabeth Holland, joined by Todd Schnitt, discuss the two main threats to retirement: taxes and market volatility. They emphasize the importance of personalized, transparent financial plans over jargon and generic advice to ensu…
- Why a Living Trust Is Better Than a Will
This episode of Retirement Success discusses the advantages of a living trust over a will for retirees, including avoiding probate, maintaining asset control and privacy, and protecting beneficiaries. The hosts clarify that trusts are bene…
- Tackling the Biggest Retirement Concerns: Financial Security, Healthcare Costs & Inflation
Steve and Elizabeth Holland, with guest Todd "MJ" Schnitt, address major retirement concerns including financial security, healthcare costs, inflation, and market volatility. They offer strategies for managing investments, Social Security,…
- Busting Retirement Myths & The Truth About Retiring in Florida
The Holland Group podcast addresses common retirement myths, including the 4% rule and Social Security's status, and explores why Florida is becoming less attractive for retirees due to costs and weather.
- The Best & Worst States to Retire in 2025—Where Does Florida Rank?
This episode analyzes WalletHub's 2025 best and worst states for retirement, with MJ Schnitt and hosts Steve and Elizabeth Holland discussing factors like taxes, healthcare, and affordability. Florida's position in the rankings is highligh…
- Smart Tax Strategies for High-Income Earners
Steve and Elizabeth Holland, with MJ Schnitt, discuss tax strategies for high-income earners on the Retirement Success podcast. Topics include maximizing retirement contributions, tax-efficient investing, tax-loss harvesting, and charitabl…
- Avoid These Retirement Income Mistakes & Secure Your Future
Steve and Elizabeth Holland discuss common retirement income mistakes and how to avoid them, including selling assets in a down market and mismanaging Social Security. They offer insights on adjusting allocations, tax-efficient withdrawals…
- New Year, New Job? Smart Retirement Moves & Social Security Changes for 2025
Steve and Elizabeth Holland review 2025 financial planning for new jobs and Social Security updates, covering 401(k)s, benefits, COLA, taxes, and FRA. They stress comprehensive planning and seeking a second opinion for retirement success.