Welcome to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. This episode introduces a new framework for retirement planning based on three distinct seasons:

• Active Season: The early years of retirement, marked by higher spending on travel, hobbies, and home projects. This phase requires a "Freedom Fund" to prevent overspending.
• Settled Season: Beginning in the mid-70s, spending naturally declines as priorities shift to local activities and family. This period allows portfolios to rebuild and is defined by "intentional moderation."
• Care Season: The final phase of retirement, characterized by a sharp rise in non-optional healthcare and long-term care expenses, making a comprehensive plan and tools like long-term care insurance essential.

The podcast debunks the myth of spending automatically dropping in retirement, highlights the risks of an "expectation gap" between planned and actual spending, and stresses the importance of having a professional, customized plan that includes a tax-smart withdrawal strategy.

For over 30 years, The Holland Group Retirement Wealth Advisors have been dedicated to helping you build inflation-adjusted, tax-advantaged, customized plans for a secure retirement

Contact The Holland Group Retirement Wealth Advisors for a complimentary, no-obligation review by calling (727) 295-3451, or visit AskTheHollands.com to schedule a discovery call at your convenience.