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

In this powerful episode, Retirement Success with the Holland Group — Hosted by Todd “MJ” Schnitt, Steve and Elizabeth Holland reveal the most common regrets and overlooked strategies retirees face — and how to avoid them.
Key takeaways:

• Why choosing a local, independent fiduciary advisor makes all the difference.
  
  
• The shocking limitations of most 401(k)s — and how better planning can expand your investment options.
• Why “set it and forget it” is dangerous — and the high cost of hidden fees.
• Real estate vs. stock market returns: which actually performs better long-term?
• Catch-up contributions: a huge missed opportunity for most Americans over 50.
• Estate plans aren’t just for the wealthy — they’re for anyone who wants to protect their family and avoid conflict.
• A strong retirement plan includes tax strategy, healthcare planning, and a real distribution game plan — not just investments.
  📞 Your complimentary financial review is just a call away: (727) 295-3451
  📍 Visit AskTheHollands.com to schedule a no-obligation consultation today

In this episode of Retirement Success with the Holland Group, Todd "MJ" Schnitt teams up with Steve and Elizabeth Holland to tackle one of the most overlooked aspects of retirement: estate planning.
Here’s what you’ll learn:

🔎 Why a will alone isn't enough to protect your legacy.
⚖️ How the upcoming 2026 estate tax changes could impact your family's future.
🏠 The dangers of probate—and how proper planning helps your loved ones avoid it.
📈 How strategies like stepped-up basis and annual gifting exclusions work to your advantage.
📝 Why updating your estate plan is crucial, especially after major life events.
🤝 The power of working with trusted, local fiduciaries who understand retirement, tax, and legacy planning.

📞 Call today for your complimentary, no-obligation financial review at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to break down the two biggest threats to your retirement—and how to stay confident through market ups and downs. Whether you’re approaching retirement or already there, this episode is packed with insight to help you protect and preserve your wealth.
Here’s what you’ll learn:
🔥 Why even high-net-worth individuals often lack a real retirement plan—and how to avoid that mistake
⚠️ The two major risks to your retirement: taxes and market volatility—and how the Hollands help manage both
🧠 Why financial jargon and cookie-cutter plans fall short—and how the Hollands speak your language
👀 How visual, personalized plans give you true clarity and confidence
💼 Real client stories that highlight the power of transparency in fiduciary advice
🏡 The advantage of working with a local, Tampa Bay-based advisory team—not a national chain with a satellite office
📞 Schedule your complimentary financial review today at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to break down the key differences between a living trust and a will, explaining why a trust is often the better option for retirees.
They cover:
✅ Avoiding probate – How a living trust helps you bypass the costly and time-consuming probate process.
✅ Asset control – Why a trust gives you more control over distributions while you're alive.
✅ Privacy protection – Unlike a will, which becomes public record, a trust keeps your estate matters private.
✅ Protecting beneficiaries – How to set up special needs trusts and safeguard assets from creditors.
✅ Common estate planning mistakes – What happens when people assume telling a child their wishes is enough.
The Hollands also debunk the biggest misconception about trusts: that they are only for the ultra-wealthy. They explain why the "Millionaire Next Door"—anyone with real estate, investments, or multiple assets—can benefit from a trust.
If you have questions about wills, trusts, or how to structure your financial future, contact the Holland Group Retirement Wealth Advisors at (727) 295-3451 or visit AskTheHollands.com.

In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to tackle some of the biggest myths in retirement planning and discuss whether Florida is still the top choice for retirees.

They break down common financial myths, including the 4% rule, the belief that Social Security is running out, and the idea that long-term care insurance is the only option for healthcare planning.  The Hollands explain why rigid rules don’t work for everyone and how a customized financial strategy is key to long-term success.

Then, they dive into a surprising shift—retirees bypassing or even leaving Florida due to soaring insurance costs, extreme weather, and rising home prices.  Find out which states top the 2025 list for ideal retirement destinations in the U.S. 

Whether you're planning to retire in Florida or relocate, the Hollands provide strategies to create reliable retirement income, integrate tax planning, and ensure long-term financial security.
For expert retirement planning tailored to your needs, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, MJ Schnitt joins Steve and Elizabeth Holland to discuss WalletHub’s latest ranking of the best and worst states for retirement in 2025. The trio breaks down key factors such as tax rates, healthcare access, and overall affordability to help retirees make informed decisions about where to settle. Florida once again earns a top spot, but how does it compare to other states on the list? Plus, they dive into retirement planning strategies, Social Security concerns, and how to create a reliable retirement income stream.

For expert retirement planning tailored to your needs, contact the Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, Steve and Elizabeth Holland, alongside MJ Schnitt, break down essential tax strategies for high-income earners. They discuss maximizing retirement contributions, tax-efficient investments, tax-loss harvesting, and charitable giving—all crucial components of a well-rounded financial plan.

Learn how to optimize your tax situation, reduce liabilities, and build a more secure retirement with proactive strategies tailored for every income level.

For personalized retirement planning, contact The Holland Group Retirement Wealth Advisors at (727) 295-3451.

In this episode of Retirement Success, Steve and Elizabeth Holland, alongside host Todd Schnitt, discuss the most common retirement income mistakes and how to avoid them. They highlight key financial pitfalls, such as selling assets in a down market, failing to plan for drawdowns, and mismanaging Social Security benefits.

The conversation also covers how adjusting investment allocations, maintaining a tax-efficient withdrawal strategy, and planning ahead for required minimum distributions (RMDs) can help ensure a secure retirement. With over 30 years of experience, the Holland Group Retirement Wealth Advisors provide expert insights on creating inflation-adjusted, tax-advantaged retirement plans to help you make the rest of your life, the best of your life!

To schedule a complimentary consultation, call (727) 295-3451 or visit AskTheHollands.com.