The Holland Group Retirement Wealth Advisors' Podcast

Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.Market downturns, inflation, elections, interest rates, and financial headlines can all create uncertainty for retirees. But what if the biggest threat to your retirement isn't the market itself — but how you react to it?In this episode of Retirement Success, Steve and Elizabeth Holland break down the behavioral mistakes that can quietly damage a retirement portfolio. From panic selling and market timing to herd mentality, overconfidence, recency bias, and procrastination, they explain why even intelligent investors can make costly decisions when emotions take over.

The episode follows the story of “Gary,” a pre-retiree who panics during a major market decline, sells everything, and then struggles with the even harder question: When should he get back in?In this episode, you’ll learn:

• Why emotional decisions can create more damage than a market downturn itself
• What the “behavior gap” is and how investor timing can affect actual returns
• Why selling during a market decline can create a second, potentially bigger problem
• Why successful market timing requires getting two decisions right — when to get out and when to get back in
• How fear, FOMO, and uncertainty can influence investment decisions
• Why financial headlines can lead to recency bias and poor investment choices
• How herd mentality can cause investors to chase investments after prices have already risen
• Why overconfidence can be one of the biggest risks to your retirement wealth
• How procrastination can cause investors to miss important tax and planning opportunities
• Why tax planning, beneficiary reviews, and portfolio reviews should be ongoing
• Why having a written retirement plan can help you stay focused when markets become volatile

The Hollands also discuss tax planning, Roth conversions, RMDs, Social Security taxation, Medicare-related costs, beneficiary reviews, and why retirement planning needs to account for more than just investment returns.The goal isn't to pretend you will never feel nervous when markets fall. It's to have a plan that keeps temporary emotions from turning into permanent retirement mistakes.

To schedule a complimentary, no-obligation discovery call with The Holland Group Retirement Wealth Advisors:
📞 727-228-6449
🌐 askthehollandgroup.com

Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

Is your financial advisor really working in your best interest? Or are you simply getting investment management without a complete retirement plan?

In this episode of Retirement Success, Steve and Elizabeth Holland break down what retirees and pre-retirees should understand before choosing or continuing to work with a financial advisor. From fiduciary responsibility and advisor compensation to taxes, retirement income, market risk, and succession planning, they explain why asking the right questions can make a major difference in your retirement strategy.

The conversation also explores why even smart investors can make emotional decisions during market volatility, why investment management is not the same as retirement planning, and why your advisor should have a process in place before the next major market decline.In this episode, you’ll learn:

• What fiduciary responsibility really means and how it differs from Regulation Best Interest
• Why you should understand exactly how your financial advisor is compensated
• The difference between investment management and comprehensive retirement planning
• Why tax planning should be part of your retirement strategy
• How emotional investing can lead to buying high and selling low
• Why retirement requires a different approach than simply accumulating wealth
• What questions to ask about your advisor’s succession and backup plan
• How your retirement strategy should respond to a major market decline
• Why understanding fees in actual dollars matters
• When getting a second opinion may be worth considering
• Five important questions to ask before choosing a financial advisor

Steve and Elizabeth also discuss RMDs, Roth conversions, Social Security taxation, Medicare premiums, withdrawal strategies, and the importance of having a written retirement income plan.

Your retirement is about more than an account balance. Make sure the person helping you manage it understands the bigger picture.

To schedule a complimentary, no-obligation discovery call with The Holland Group Retirement Wealth Advisors:
📞 727-228-6449
🌐 askthehollandgroup.com

Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.

Retirement planning isn’t a one-size-fits-all formula. Rules like the 80% income rule, the 4% rule, or a traditional 60/40 portfolio may sound simple, but your retirement is unique—and your financial plan should be too.

In this episode of Retirement Success, Steve and Elizabeth Holland explain why generic retirement guidelines can fall short and why your spending, taxes, health, longevity, inflation, and income needs all need to be considered when building a retirement strategy.

The conversation explores how retirement spending can actually increase during the early “go-go years,” why expenses may change as you move into the “slow-go” and “no-go” years, and why planning for a longer retirement can make a major difference.

Steve and Elizabeth also discuss the tax challenges retirees can face, including Social Security taxation, IRMAA Medicare surcharges, tax-efficient withdrawals, and the importance of managing taxable income throughout retirement. They explain why having $100,000 available in an IRA does not necessarily mean you have $100,000 available to spend.

The episode also looks at longevity and inflation, and why a retirement plan needs to remain sustainable if you live into your 90s or beyond. The Hollands explain the difference between accumulating wealth and distributing it in retirement—and why transitioning from saving money to creating reliable retirement income requires a completely different strategy.In this episode you’ll learn:

• Why the 80% retirement income rule may not fit your lifestyle
• How retirement spending can change throughout the “go-go,” “slow-go,” and “no-go” years
• Why retirement spending may actually increase during the early years
• How taxes can affect the amount of retirement income you can actually spend
• What Social Security taxation and IRMAA can mean for retirees
• Why longevity and inflation need to be built into your retirement plan
• The difference between accumulating wealth and distributing it
• Why leaving your 401(k) behind after retirement may deserve a closer look
• How sequence-of-returns risk can impact retirement income
• Why predictable income should be separated from long-term growth assets
• How the order of your retirement withdrawals can affect your tax efficiency
• Why every retirement plan should be customized to the individual

Retirement isn’t about following the average. It’s about creating a plan that fits your life, your goals, and the retirement you actually want to live.If you’ve saved $100,000 or more for retirement and want a second opinion on your current strategy, contact The Holland Group Retirement Wealth Advisors for a complimentary retirement planning conversation.

📞 727-228-6449
🌐 askthehollandgroup.com

The Holland Group Retirement Wealth Advisors has been helping families plan for and through retirement for more than 30 years.

You’ve spent decades saving for retirement—but do you have a plan for turning those savings into income that can last?

In this episode of Retirement Success, Steve and Elizabeth Holland and Todd M.J. Schmidt dive into some of the biggest questions retirees and pre-retirees should be asking:
💰 How much can you realistically spend in retirement?
📉 How can sequence of returns risk impact your retirement income?
📊 Is the traditional 4% rule still relevant?
📈 How can inflation affect your purchasing power over a 20–30 year retirement?
🏡 How should you prioritize your essential expenses?
🧾 And why should taxes be part of your retirement income strategy? Retirement isn’t just about how much you’ve saved. It’s about having a strategy for turning those savings into income while planning for the realities that can impact your retirement along the way.

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

This episode of Retirement Success University takes a closer look at one of the fastest-growing investment products being recommended by many brokers and financial advisors: structured notes.

These investments are often marketed as a way to capture market upside while limiting downside risk, but are they really a good fit for retirement dollars? In this episode, Steve explains why he considers structured notes a product that deserves careful scrutiny and highlights several red flags that many investors may never hear about before investing.

From complicated prospectuses and Statements of Additional Information (SAIs) to revenue-sharing arrangements and high internal costs, this episode breaks down how structured notes work and why complexity can become a serious risk for retirees. In this episode you’ll learn:

• What structured notes are and how they are designed
• Why downside protection may not be as protective as it sounds
• The prospectus red flag: why most investors never fully understand these investments
• What a Statement of Additional Information (SAI) is and why it matters
• How revenue-sharing arrangements can create conflicts of interest
• Why fees on structured notes can be significantly higher than many investors expect
• The difference between taking calculated investment risk and taking unnecessary retirement risk
• Why Steve believes simplicity and transparency are often better long-term strategies for retirement investing Retirement investing should be based on understanding exactly what you own, what it costs, and how it behaves during market downturns.

This episode explains why structured notes may not be the right solution for many retirement investors. For more information or to schedule a complimentary retirement review, visit askthehollands.com or call 727-228-6449.

You've spent decades saving for retirement—but how do you make sure your money lasts throughout your retirement years?

In this episode of Retirement Success, host Todd M.J. Schmidt joins Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors to explore one of the biggest challenges retirees face: turning a lifetime of savings into reliable retirement income.

Saving for retirement and living off your savings require two very different strategies. From understanding how much you can safely withdraw to preparing for unexpected expenses, having a personalized retirement income plan can help you navigate the challenges ahead.
In this episode, we discuss:

• The 4% Rule: Is this traditional retirement withdrawal strategy right for your goals?
• Sequence-of-Returns Risk: Why market losses early in retirement can have a lasting impact on your portfolio.
• Inflation and Healthcare Costs: How rising expenses can affect your purchasing power over time.
• Planning for Longevity: Preparing your finances for a retirement that could last 20–30 years or longer.
• Covering Essential Expenses: Why understanding your monthly needs is an important foundation for retirement planning.
• Personalized Retirement Strategies: Why your retirement plan should reflect your goals, lifestyle, and financial circumstances.
Your retirement plan should be about more than a number in your investment account. It should help you understand how your savings can support the life you want to live.

🎧 Listen to Retirement Success:

YouTube:
https://www.youtube.com/@thehollandgrp/podcasts

Spotify:
https://open.spotify.com/show/4BK8WFnNVNHaPhYqjoliMh

Apple Podcasts:
https://podcasts.apple.com/.../retirement.../id182928788

📞 Schedule a complimentary retirement review: 727-228-6449
🌐 https://askthehollands.com/

Subscribe to Retirement Success for more conversations about retirement income, investment strategies, tax planning, and building a retirement plan around your goals.

#RetirementSuccess #RetirementPlanning #RetirementIncome #SequenceOfReturnsRisk #FinancialPlanning #TheHollandGroup

Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors.Many investors approaching retirement believe they’re diversified, conservative, and prepared for the future—but are they really? In this episode of Retirement Success, Steve and Elizabeth Holland reveal why many retirement portfolios carry far more risk than investors realize and explain the critical conversations that too many advisors never have with their clients.The discussion explores hidden portfolio risk, the danger of relying on market performance alone, the devastating impact of sequence of returns risk, and why retirement success depends on much more than simply earning a good return. The Hollands also explain the importance of stress testing a portfolio, managing emotions during market volatility, and building a retirement plan designed to protect income throughout retirement.Whether you’re planning to retire soon or you’re already retired, this episode provides valuable insights into creating a retirement strategy that can withstand market downturns and support long-term financial confidence.In this episode you’ll learn:

• Why “diversified,” “conservative,” and “safe” are not the same thing: How many investors misunderstand these terms and unknowingly take more risk than intended.
• The hidden portfolio risk problem: Why portfolios often become riskier over time without investors realizing it.
• Why performance is not the same as planning: How a portfolio can perform well during bull markets while still being poorly designed for retirement.
• Sequence of returns risk explained: Why the order of market returns can matter more than average returns once you begin withdrawing retirement income.
• The retirement income danger zone: How taking withdrawals during market downturns can permanently damage a portfolio’s long-term sustainability.
• The power of portfolio stress testing: How testing your current portfolio against events like 2008, COVID, inflation shocks, and market volatility can reveal risks before they become costly.
• Behavioral investing mistakes: Why emotions often cause investors to buy high, sell low, and make poor financial decisions during periods of market stress.
• Building a retirement plan with purpose: Why different segments of a portfolio should be designed for income, growth, liquidity, and legacy planning.
• The questions every retiree should ask their advisor: From risk analysis and tax planning to income protection and inflation planning.

Retirement isn’t just about growing your portfolio—it’s about protecting your income, managing risk, and creating a plan that can help you stay retired with confidence. This episode explains why better questions often lead to better retirement outcomes.

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.

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.

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.