The rules of retirement have fundamentally changed. Old strategies no longer fit today's financial terrain, demanding a new approach to secure your future. Join Steve and Elizabeth Holland with Todd "MJ" Schnitt as they reveal how to navigate this evolving landscape, from dwindling pensions to market volatility and crucial tax changes, ensuring your retirement dreams become a reality.
Key Topics Covered:

• The End of Pensions: Understanding the shift from guaranteed pensions to "do-it-yourself" 401(k)s and how to create your own secure income stream.
• 401(k) Pitfalls: The dangers of "fund of funds" (target-date funds) in 401(k)s and why even without an employer match, contributing is vital for tax-deferred growth.
• Market Volatility is the New Normal: Why constant market swings (like tariffs or pandemics) are to be expected, and the importance of discipline and focus, especially nearing retirement.
• The Longevity Factor: Planning for longer lifespans, particularly for women, and ensuring sustainable income to avoid outliving your savings.
• Hidden Retirement Costs: The staggering and often underestimated expenses of long-term care and why Medicare won't cover everything.
• The Soaring Debt Crisis: How massive credit card debt and medical bills are significant obstacles for modern retirees, unlike previous generations.
• Looming Tax Changes: The potential for higher tax brackets in 2026 and the critical need for proactive tax planning to mitigate future burdens.
• The Fiduciary Advantage: The crucial difference between a fiduciary advisor (like the Hollands) who acts in your best interest and traditional brokers, highlighting conflicts of interest.
• Local, Dedicated Advisors: Why working with a firm like The Holland Group, where you meet directly with the founders and get personalized, long-term support, is essential versus transient firms focused on selling their business.
• The Power of a Second Opinion: Why getting a complimentary review of your current financial plan from experts can provide clarity and put you in a position of strength.

For a complimentary, no-obligation financial review, call The Holland Group Retirement Wealth Advisors at (727) 295-3451. Visit AskTheHollands.com for more information.
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