The Holland Group Retirement Wealth Advisors' Podcast
Welcome to The Holland Group Retirement Wealth Advisors' Podcast, with Steve and Elizabeth Holland! As fiduciaries, the Holland Group Retirement Wealth Advisors emphasize comprehensive financial planning, tax-efficient retirement strategies, and the value of seeking a second opinion to ensure retirement success to make the rest of your life, the best of your life! To schedule a complimentary consultation, call (727) 295-3451 or visit AskTheHollands.com.
Episodes
August 8, 2025 • 53 mins
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 prio...
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July 31, 2025 • 54 mins
Welcome back to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. 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. In this episode, we break down the recently signed "One Big, Beautiful Bill" (OBBBA) and its crucial implications for your financial future.Key Takeaways from th...
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July 24, 2025 • 53 mins
In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, the discussion centers on understanding and mitigating hidden risks in retirement planning that advisors may not fully disclose.Key Takeaways from the Discussion:
- This episode underscores the critical need for retirees to accurately assess and mitigate hidden portfolio risks like the sequence of returns risk, which can severely d...
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July 17, 2025 • 53 mins
In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, they address the significant shifts in retirement planning. Old strategies are no longer sufficient, requiring individuals to adapt to secure their financial future.
Key Takeaways from the Discussion:
Key Takeaways from the Discussion:
- Evolving Retirement Landscape: People are living significantly longer, pushing retirement duration to potentially 30-40 years. This...
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July 11, 2025 • 54 mins
In this episode of Retirement Success with Steve and Elizabeth Holland, hosted by Todd "MJ" Schnitt, they address the significant shifts in retirement planning. Old strategies are no longer sufficient, requiring individuals to adapt to secure their financial future.Key Takeaways from the Discussion:
- Evolving Retirement Landscape: Pensions are dwindling, making "do-it-yourself" 401(k)s crucial for income generation. Be cautious o...
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July 3, 2025 • 53 mins
Join Steve and Elizabeth Holland with Todd "MJ" Schnitt as they delve into crucial aspects of retirement planning, offering insights to help you manage your finances effectively and avoid common pitfalls. This episode emphasizes the importance of a well-structured plan and expert guidance to ensure your peace of mind.Key Topics Covered:
- The complexity of retirement planning and the need for a customized approach.
- The critical rol...
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June 27, 2025 • 57 mins
Steve and Elizabeth Holland, with Todd “MJ” Schnitt, reveal essential strategies to ensure your money outlasts you in retirement. Facing longer life expectancies and inflation, many retirees need smarter approaches. This episode tackles the critical importance of strategic planning, moving beyond generic advice to personalized solutions.Key Takeaways:
- Longevity Planning: Acknowledge longer lifespans and ensure your money is acti...
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June 20, 2025 • 54 mins
In this episode of Retirement Success, Steve and Elizabeth Holland, joined by Todd “MJ” Schnitt, tackle crucial strategies for navigating retirement's financial challenges. With a record number of Americans nearing retirement, many face uncertain financial ground. The Hollands discuss safeguarding savings from potential government policy changes, adapting investment strategies to market volatility, and understanding the impact of g...
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June 13, 2025 • 53 mins
In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to bust some of the most persistent financial myths—ones that could seriously derail your retirement if you fall for them. From outdated rules of thumb to Social Security scare tactics, the Hollands bring facts, clarity, and a bit of humor to set the record straight. Here’s what you’ll take away:
- Why the 4% rule might be dead—and how to pl...
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June 9, 2025 • 53 mins
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:
Key Topics Covered:
- The End of Pensions: Unde...
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June 3, 2025 • 53 mins
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 is...
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May 16, 2025 • 53 mins
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:
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 ...
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May 8, 2025 • 53 mins
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 ...
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 ...
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April 29, 2025 • 53 mins
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 p...
Here’s what you’ll learn:
🔥 Why even high-net-worth individuals often lack a real retirement p...
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April 4, 2025 • 53 mins
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.
✅ Priva...
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.
✅ Priva...
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March 20, 2025 • 53 mins
In this episode of Retirement Success, Todd "MJ" Schnitt joins Steve and Elizabeth Holland to address the top concerns retirees face, from financial insecurity to rising healthcare costs, inflation, and market volatility.
They break down:
They break down:
- Will I have enough to retire? – Why even those with millions still worry about running out of money.
- Healthcare costs – How rising medical expenses and long-term care planning impact your financi...
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February 28, 2025 • 53 mins
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 ...
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 ...
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February 26, 2025 • 53 mins
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, the...
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February 14, 2025 • 53 mins
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 proact...
Learn how to optimize your tax situation, reduce liabilities, and build a more secure retirement with proact...
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February 11, 2025 • 53 mins
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 strate...
The conversation also covers how adjusting investment allocations, maintaining a tax-efficient withdrawal strate...
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