The number one fear of those in retirement is running out of money. For the longest time many people think that the 4 percent rule withdrawal rate to not run out money. Listen to this episode of Protect Your Assets to find out how this 4 percent rule can ruin your retirement.

The number one fear of those in retirement is running out of money. For the longest time many people think that the 4 percent rule withdrawal rate to not run out money. Listen to this episode of Protect Your Assets to find out how this 4 percent rule can ruin your retirement.

David Hollander, The Sandman℠, helps his listeners sleep well at night because they know their assets are protected. Financial and investment services offered through Liberty Wealth Management & Liberty Group LLC.

David Hollander, The Sandman℠, helps his listeners sleep well at night because they know their assets are protected. Financial and investment services offered through Liberty Wealth Management &amp; Liberty Group LLC.

Protect Your Assets

KSFO Podcast

Protect Your Assets with Liberty Group's David Hollander.

4% of What Now?

Every major retirement decision comes with one important question: When? In this episode of Protect Your Assets, David Hollander discusses the timing decisions that can have a lasting impact on your financial future, including when to claim Social Security, when required minimum distributions (RMDs) begin, when Roth conversions may make sense, and how the order of retirement account withdrawals can influence your long-term tax strategy. 

Whether you're approaching retirement or already there, this episode offers practical retirement planning insights to help you make more informed decisions about your income, taxes, and legacy. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

Every major retirement decision comes with one important question:&nbsp;When?&nbsp;In this episode of&nbsp;Protect Your Assets, David Hollander discusses the timing decisions that can have a lasting impact on your financial future, including when to claim Social Security, when&nbsp;required&nbsp;minimum&nbsp;distributions (RMDs) begin, when Roth conversions may make sense, and how the order of retirement account withdrawals can influence your long-term tax strategy.&nbsp;
Whether&nbsp;you're&nbsp;approaching retirement or already there, this episode offers practical&nbsp;retirement planning&nbsp;insights to help you make more informed decisions about your income, taxes, and legacy.&nbsp;
You can send your questions to <a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

Retirement Planning: When Should You Take Social Security, RMDs, and Retirement Income?

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/8443eb20-0187-41df-bfc8-b4780180a488/transcript

The stock market continues to reach new highs, but rising interest rates, geopolitical uncertainty, and increased volatility are causing many investors to question what comes next. In this episode of Protect Your Assets, David Hollander discusses retirement income planning strategies that may help retirees and those nearing retirement protect a portion of their savings, manage risk, and create more dependable income. He also explores ways to evaluate portfolio risk, address sequence of returns risk, and position your retirement plan for an uncertain market environment. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

The stock market continues to reach new highs, but rising interest rates, geopolitical uncertainty, and increased volatility are causing many investors to question what comes next. In this episode of Protect Your Assets, David Hollander discusses retirement income planning strategies that may help retirees and those nearing retirement protect a portion of their savings, manage risk, and create more dependable income. He also explores ways to evaluate portfolio risk, address sequence of returns risk, and position your retirement plan for an uncertain market environment.&nbsp;
You can send your questions to&nbsp;<a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

Retirement Income Planning: Help Protect Your Savings When Markets Are Volatile

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/fe7dd3b0-28f3-4859-b6e2-b4570103d9bf/transcript

Financial scams in 2026 are more advanced than ever, with AI, deepfakes, and social engineering creating new risks for investors and families. In this episode of Protect Your Assets, David Hollander breaks down the most common financial scams 2026 has to offer, including deepfake impersonations, employment scams, romance fraud, and digital arrest schemes. 

Learn why these scams are so effective, the warning signs to watch for, and practical steps you can take to protect your identity, accounts, and savings. 

You can send your questions to questions@pyaradio.com for a chance to be answered on air.  

Catch up on past episodes: http://pyaradio.com    
Liberty Group website: https://libertygroupllc.com/   
Attend an event: www.pyaevents.com  

Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  

Financial&nbsp;scams&nbsp;in 2026 are more advanced than ever, with AI, deepfakes, and social engineering creating new risks for investors and families. In this episode of&nbsp;Protect Your Assets, David Hollander breaks down the most common financial&nbsp;scams&nbsp;2026 has to offer, including deepfake impersonations, employment&nbsp;scams, romance fraud, and digital arrest schemes.&nbsp;
Learn why these&nbsp;scams&nbsp;are so effective, the warning signs to watch for, and practical steps you can take to protect your identity, accounts, and savings.&nbsp;
You can send your questions to <a href="mailto:questions@pyaradio.com">questions@pyaradio.com</a>&nbsp;for a chance to be answered on air.&nbsp;&nbsp;
Catch up on past episodes:&nbsp;<a href="http://pyaradio.com">http://pyaradio.com</a> &nbsp;&nbsp;&nbsp; Liberty Group website:&nbsp;<a href="https://libertygroupllc.com/">https://libertygroupllc.com/</a> &nbsp;&nbsp; Attend an event:&nbsp;<a href="http://www.pyaevents.com/">www.pyaevents.com</a>&nbsp;&nbsp;
Schedule a complimentary 15-minute consultation:&nbsp;<a href="https://calendly.com/libertygroupllc/scheduleacall/">https://calendly.com/libertygroupllc/scheduleacall/</a>&nbsp;&nbsp;

Financial Scams 2026: The Latest AI-Driven Fraud and How to Avoid It

https://api.omny.fm/orgs/a7b0bd27-d748-4fbe-ab3b-a6fa0049bcf6/clips/0eb7877e-4378-424b-92c0-b43a01194a20/transcript

4% of What Now?

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