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The Holland Group Retirement Wealth Advisors' Podcast

The Holland Group Retirement Wealth Advisors' Podcast

Written by: "Retirement Success!" Podcast
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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.Copyright "Retirement Success!" Podcast Economics Personal Finance
Episodes
  • The Social Security Timing Puzzle: Claim Early or Wait and Risk Six-Figure Mistakes

    The Social Security Timing Puzzle: Claim Early or Wait and Risk Six-Figure Mistakes
    May 10 2026
    Most people spend more time picking a TV than deciding when to take Social Security… but that one decision could impact your retirement income by six figures or more.
    In this week’s episode of Retirement Success, Steve and Elizabeth Holland break down the Social Security timing puzzle and discuss:

    ✅ Why claiming Social Security at 62 vs. waiting until 70 can drastically change your lifetime income
    ✅ How the 8% annual increase after full retirement age actually works
    ✅ Why there is no “one-size-fits-all” claiming strategy
    ✅ The importance of spousal coordination in maximizing household benefits
    ✅ How longevity and break-even age factor into the decision
    ✅ Why market risk and withdrawals can impact early retirement timing
    ✅ Common mistakes people make when making Social Security decisions in isolation

    If you’ve ever wondered:
    ➡️ “Am I taking Social Security too early?”
    ➡️ “Should I wait until 70 or start now?”
    ➡️ “How does this fit into my overall retirement plan?”

    This episode is for you.


    📞 Call today for a complimentary retirement income review: 727-228-6449
    🌐 askthehollands.com

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    53 mins
  • What happens when your 401(k) becomes your paycheck in retirement?

    What happens when your 401(k) becomes your paycheck in retirement?
    May 10 2026
    In this episode of Retirement Success, Steve and Elizabeth Holland break down one of the biggest retirement realities facing Americans today: only a small percentage of workers still have traditional pensions — meaning your retirement income strategy matters more than ever.

    Steve, Elizabeth, and Todd MJ Schmidt discuss:
    ✔️ The biggest mistakes people make with their 401(k)s
    ✔️ Why retirement requires a completely different strategy than accumulation years
    ✔️ Sequence of returns risk and how market downturns can permanently impact retirement income
    ✔️ How taxes, inflation, and required minimum distributions (RMDs) affect your future
    ✔️ The importance of creating a sustainable income plan
    ✔️ Why “a million dollars” in a 401(k) may not actually be yours after taxes
    ✔️ How to create your own personal pension strategy
    ✔️ The role of tax planning in retirement success
    ✔️ Real-life retirement concerns including divorce, widowhood, downsizing, and lifestyle spending

    The Holland Group Retirement Wealth Advisors explains why retirement planning is about more than investing — it’s about building a strategy designed to protect your lifestyle for decades to come.

    📞 Schedule your complimentary retirement income review today: 727-228-6449

    🌐 Visit: askthehollands.com
    📺 Watch Retirement Success Sundays at 11:30 AM on Channel 10.
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    53 mins
  • The New Retirement Reality: Planning for Longevity, Taxes & Income

    The New Retirement Reality: Planning for Longevity, Taxes & Income
    Apr 19 2026
    This episode of Retirement Success features Steve and Elizabeth Holland of The Holland Group Retirement Wealth Advisors as they dive into what can only be described as the new retirement reality.

    People are living longer than ever—and while that sounds like great news, it also means your retirement savings now need to last 25, 30, or even 40 years. In this episode, the Hollands break down why longevity is both a blessing and a financial risk, and how outdated retirement strategies can leave you vulnerable in today’s environment.

    From longevity risk and rising healthcare costs to Social Security timing and tax-efficient withdrawal strategies, this conversation highlights the real challenges retirees face—and how to plan for them the right way.

    If you want to make sure you don’t outlive your money and avoid costly financial missteps, this is an episode you don’t want to miss.

    •The New Retirement Reality: Why retirement is no longer 10–15 years—and how longer lifespans are changing everything about financial planning.
    •Longevity Risk Explained: The #1 fear retirees face—outliving their money—and why this concern affects everyone, regardless of portfolio size.
    •The Social Security Gap: Why Social Security typically replaces only about 40% of your income—and how that leaves a major gap you must plan for.
    •Timing Matters: How claiming Social Security too early can permanently reduce your benefits—and why delaying could significantly increase your lifetime income.
    •The Hidden Impact of Taxes: Why taxes can quietly erode your retirement savings—and how poor withdrawal strategies can cost you 20–30% more than necessary.
    •Sequence of Returns Risk: Why market downturns early in retirement can have long-term consequences—even if the market eventually recovers.
    •Healthcare & Inflation Pressures: How rising costs can reduce your purchasing power over time—and why planning for these expenses is critical.
    •The Power of Income Planning: How structuring your retirement into income segments can help create stability, flexibility, and long-term sustainability.
    •Avoiding Emotional Decisions: Why having a clear, structured plan helps you stay on track—even during market volatility.
    •Turning Longevity Into Opportunity: How the right strategy allows you to enjoy more time with family, travel, and experiences—without financial stress.

    If you’ve been planning for retirement based on outdated assumptions, now is the time to rethink your strategy. This episode will help you build a plan designed not just to get you to retirement—but to carry you through it with confidence.
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    53 mins
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