In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to uncover the biggest lessons retirees often learn too late — and how you can avoid making the same costly mistakes. Here’s what you’ll take away:

• Why a financial plan that looks good on paper isn’t enough — you need one that adapts and lasts
• The real risk of hidden advisory fees and why full transparency is essential
• How estate planning isn’t just for the ultra-wealthy — it’s for anyone who wants to protect their family
• What retirees need to know about real estate vs. stock market returns
• The power of catch-up contributions — and why most people don’t take full advantage
• How a local fiduciary firm can provide real clarity and accountability when it matters most
• Visual financial planning: why seeing your future helps you make smarter decisions

Whether you’re approaching retirement or already there, this episode delivers practical insights to help you stay ahead. 📞 Call now for a complimentary, no-obligation financial review at (727) 295-3451
🌐 Visit AskTheHollands.com for more info