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
February 22, 2026 • 53 mins
Hosted by Todd “MJ” Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors. Today’s show takes on a deceptively simple—but financially dangerous—question: why do so many “top” mutual funds all own the exact same companies? The Hollands break down the difference between diversification on paper versus diversification in reality, exposing how investors can unknowingly end up with he...
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January 23, 2026 • 53 mins
Hosted by Todd "MJ" Schnitt, this episode features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors. As we kick off 2026, the Hollands break down five essential pre-retirement "stress tests" to ensure your "pile of money" actually translates into a lifelong, sustainable paycheck. From navigating a Dow that's nearing 50,000 to avoiding the "certified putz accountant" traps, this show is a masterclass in mo...
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January 16, 2026 • 53 mins
In this episode, Todd "MJ" Schnitt, along with Steve and Elizabeth Holland, challenge the idea that a "pile of money" is the same thing as a retirement plan. As the risk of retirement shifts from the employer to the individual, the Hollands explain why you need to stop being a passive investor and start becoming an "income architect." From navigating the "pogo stick" retirement to avoiding a sequence-of-returns disaster, this show ...
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January 9, 2026 • 53 mins
Join host Todd "MJ" Schnitt alongside Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors for an eye-opening deep dive into the "Risk Perception Gap." In this episode, the team explores why many investors are essentially playing Russian roulette with their futures without even knowing it. From the "ghosts" of inherited stocks to the reality of being "somewhere over the rainbow" in your planning, this show is...
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December 29, 2025 • 53 mins
On this episode of Retirement Success, hosts Steve and Elizabeth Holland are joined by Todd M.J. Schnitt to discuss the "Education Launchpad." With 70% of grandparents now providing financial support to their families, the team breaks down how to gift money effectively while navigating rising college costs and the complexities of "unemployment" that can last 30 years in retirement.Key Discussion Points
- The 529 Strategy Shift: Di...
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December 12, 2025 • 53 mins
On this episode of Retirement Success, hosts Steve and Elizabeth Holland, joined by Todd M.J. Schnitt, outline the three essential pillars for building a retirement plan that delivers true financial confidence. They stress that with risks like rising debt, inflation, and market volatility, relying on old strategies is not enough—you must proactively address Tax Planning, Investment Management, and Reliable Income Planning to secure...
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December 5, 2025 • 53 mins
This episode of Retirement Success focuses on the crucial topic of tax-efficient asset disposal and confronting the "silent partner" in your retirement savings: the IRS. Steve and Elizabeth Holland discuss proactive strategies to legally reduce your tax burden when selling major assets like businesses, real estate, or dealing with retirement accounts.Key Discussion Points
- Retirement Account Taxes: Funds in traditional IRAs and 4...
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December 1, 2025 • 53 mins
This episode of Retirement Success focuses on the crucial topic of tax strategy in retirement planning, particularly emphasizing the use of Roth conversions as a defensive measure against future tax increases—dubbed "The Great Tax Storm." Steve and Elizabeth Holland discuss how to utilize Roth conversions strategically to ensure a tax-advantaged retirement.Key Discussion Points
- The Roth Conversion Strategy: Roth conversions move...
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November 26, 2025 • 54 mins
This week on the show, Steve and Elizabeth Holland, along with MJ, discuss the crucial and evolving challenge of planning for a much longer and costlier retirement. They emphasize that retirement is no longer a finish line, but a complex, full-time financial strategy where planning wiser is essential to ensure your money lasts as long as you do.Key Discussion Points:
- The New Longevity Reality: One in three 65-year-olds today is ...
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November 21, 2025 • 53 mins
This episode of Retirement Success with Steve and Elizabeth Holland and host MJ Schnitt focuses on the essential concept of building a genuine partnership with your financial advisor to achieve a comprehensive and successful retirement. The discussion emphasizes that true comprehensive planning extends far beyond merely picking stocks, covering a necessary integration of tax strategy, estate planning, and healthcare considerations—...
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November 17, 2025 • 53 mins
This episode of Retirement Success with Steve and Elizabeth Holland, and host MJ Schnitt, dives deep into one of the most complex puzzles facing retirees: designing an airtight, sustainable retirement income strategy that lasts without forcing a sacrifice in lifestyle. The discussion covers the critical shift from pensions to self-managed plans, demolishes outdated income rules, and introduces a foundational three-part framework fo...
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November 12, 2025 • 53 mins
This episode of Retirement Success explores how to move "Beyond the Basics" of IRAs and 401(k)s to build a robust, protected, and sustainable retirement income plan, emphasizing the critical shift from simply accumulating assets to actively managing risk, fees, and tax strategy.Key Segments:
- The importance of building your own "personal pension" using guaranteed, predictable income sources.
- Why many advisors who dismiss annuities...
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November 7, 2025 • 53 mins
This episode of Retirement Success with Steve and Elizabeth Holland and Todd MJ Schnitt provides a guide to constructing a comprehensive "Financial Fortress" to protect your life savings from common financial dangers, including market crashes, soaring healthcare costs, and unexpected tax burdens.Key Segments:
- Why the old playbook for retirement no longer works and the secret to an Income-First strategy.
- The single reason you may ...
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October 10, 2025 • 53 mins
This episode of Retirement Success, hosted by Steve and Elizabeth Holland with Todd MJ Schnitt, dissects the significant financial and personal implications of government shutdowns, emphasizing that a personalized retirement plan is crucial for navigating such events. The hosts underscore that a recent shutdown is a powerful reminder that these disruptive periods will occur again.Key Topics and Advice:
- Protecting Your Income and...
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September 26, 2025 • 53 mins
In this episode, Steve and Elizabeth Holland, along with co-host Todd MJ Schnitt, tackle common retirement planning pitfalls, shifting the focus from simply accumulating savings to actively converting those assets into a reliable, lifelong income stream. The conversation highlights the crucial need for a personalized and proactive financial strategy that goes far beyond traditional IRA and 401(k) accounts.Key Takeaways
- Beware of...
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September 19, 2025 • 53 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 protect your wealth and build inflation-adjusted, tax-advantaged retirement plans. In this episode, we take a deeper dive into how tariffs and other geopolitical events can impact your retirement portfolio and what you can do to prepare.Key Take...
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September 12, 2025 • 53 mins
Welcome to Retirement Success with Steve and Elizabeth Holland and Todd "MJ" Schnitt. For over 30 years, The Holland Group Retirement Wealth Advisors have been helping clients create customized, tax-advantaged retirement plans. In this episode, we discuss why retirement is a long-term marathon, not a sprint, and the strategies you need to make your money last.Key Takeaways from the Discussion:
- Longevity is a Challenge: With peop...
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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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