Protect Your Assets

Technology stocks faced renewed selling pressure this week as investors questioned whether massive spending on artificial intelligence will translate into stronger earnings. In this Protect Your Assets Market Briefing, David Hollander, The Sandman, breaks down the latest stock market volatility, including Intel's sharp decline, weakness in major technology stocks, and a shift toward small-cap and international investments.

David also examines the Federal Reserve's latest interest rate decision, persistent inflation concerns, rising oil prices, and continued economic growth. Plus, he looks ahead to key developments that could influence markets, including the midterm elections, manufacturing and services data, and the upcoming October jobs report.

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Annuities can provide certain retirement benefits, but what happens when the fine print reveals fees, withdrawal restrictions, or guarantees that don't work the way you expected? In this Halloween episode of Protect Your Assets, David Hollander, The Sandman, shares three hypothetical annuity horror stories that highlight costly misunderstandings.

David explores variable annuity fees, surrender charges, income benefit guarantees, and the differences between fixed, indexed, and variable annuities. Plus, he challenges the idea that all annuities are bad investments and shares seven important questions to ask before buying one.

You can send your questions to [email protected] for a chance to be answered on air.

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Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/

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In this week's Protect Your Assets Market Briefing, David Hollander, The Sandman, reviews the latest stock market volatility, Treasury yields, and oil prices. He also shares his monthly Bitcoin and cryptocurrency update, covering growing institutional adoption, blockchain developments, crypto ETFs, and regulatory changes shaping the digital asset market. 

Catch up on past episodes: http://pyaradio.com   
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ 

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You make a great living, own a home, and have money invested. So why does it still feel like you can't afford to slow down? 

In this episode of Protect Your Assets, David Hollander, The Sandman, explains why a high income doesn't always mean you're building wealth that gives you more choices. He discusses how housing costs, lifestyle expenses, company stock, and taxes can affect your finances, even with a substantial salary. 

Learn what to consider when managing your savings and investments, especially if you want the option to retire early, change careers, or work less. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com   
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Attend an event: www.pyaevents.com  

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Is a Roth conversion the right move for you in 2026? Converting money from a traditional IRA or 401(k) to a Roth IRA could help reduce taxes later, but it can also create a larger tax bill today and potentially increase your Medicare premiums. 

In this episode of Protect Your Assets, David Hollander explains how Roth conversions work, how much you may want to convert, and why your tax bracket, RMDs, Medicare IRMAA, and timing should all factor into the decision. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
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You could earn the same average return as another investor and still have a very different retirement outcome. Why? The timing of market gains and losses can matter significantly once you start withdrawing from your savings. 

In this episode of Protect Your Assets, David Hollander explains sequence of returns risk and why the first few years of retirement can be so important. He also takes a closer look at the traditional 4% withdrawal rule and discusses what retirees and those nearing retirement should consider when building an income strategy designed for the years ahead. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

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A strong market can make it easy to assume your retirement plan is on track, but it can also cause your portfolio to drift without you realizing it. In this episode of Protect Your Assets, David Hollander, The Sandman, walks through a mid-year retirement checkup and explains why now may be a good time to take a closer look. 

David covers three areas to review: rebalancing your portfolio, maintaining enough liquidity for retirement expenses and RMDs, and keeping your investment expectations aligned with your personal goals. Tune in to learn what to look for as you head toward the end of the year. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
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Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

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Are you ready for retirement beyond the financial side of the equation? In this episode of Protect Your Assets, David Hollander, The Sandman, explores how preparing for retirement can include testing out potential destinations, new routines, hobbies, travel, and other lifestyle changes before leaving the workforce. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

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What are Trump Accounts, and how could they fit into your family’s financial plan? In this episode of Protect Your Assets, David Hollander breaks down what parents, grandparents, and business owners should know about these new savings accounts for children. 

Learn how Trump Accounts work, including the $1,000 federal contribution for eligible children, contribution limits, investment options, tax considerations, and what happens when the child turns 18. David also compares Trump Accounts vs. 529 plans, examines the “millionaire” claims, and explains how these accounts may fit into a broader generational wealth strategy. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
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Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

See omnystudio.com/listener for privacy information.

Is your 401(k) ready for retirement? David Hollander explains what to review as retirement gets closer, including fees, investment risk, taxes, income planning, and the investment options available within your plan. He also discusses how outside guidance may help you make more informed decisions about your 401(k) and prepare it for the transition from saving to generating retirement income. 

You can send your questions to [email protected] for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

See omnystudio.com/listener for privacy information.